Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To whom it may concern, I have full copy of my credit report and I have found many erros and inaccurate inforamtion and I demand these accounts be properly investigated and deleted from my consumer report due to bein wrongly reported. It has caused a great deal of frustration in my life and this is not fair. According to the law I demand my full rights be carried out and I will continue to fight for fair credit reporting. 
These accounts listed below I demand be investigated and deleted : XXXX - XXXX - FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Ensuring Maximum Possible Accuracy - Under this provision, CRAs must use reasonable procedures to ensure the maximum possible accuracy of the information in your report. If a CRA has failed to reasonably verify the accuracy of a late payment, you may challenge its inclusion. Please update all alleged late payments to PAID AS AGREED, NEVER LATE. Thank you! 
XXXX XXXX XXXX XXXX - ACCOUNT IS IN LITIGATION, FCRA Section 611 ( 15 U.S.C. 1681i ) Procedure for Disputing Accuracy of Information - I believe this account to be inaccurate because I do not recall doing business with this company. Your credit report agency is required to investigate my claims and you have yet to provide me with a solid proof of debt validation generally within 30 days. Since you have yet to do this, please remove this account from my consumer report immediately. This account is currently in litigation. Please delete this account from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX - ACCOUNT IS IN LITIGATION, FCRA Section 611 ( 15 U.S.C. 1681i ) Procedure for Disputing Accuracy of Information - I believe this account to be inaccurate because I do not recall doing business with this company. Your credit report agency is required to investigate my claims and you have yet to provide me with a solid proof of debt validation generally within 30 days. Since you have yet to do this, please remove this account from my consumer report immediately. This account is currently in litigation. Please delete this account from my credit report immediately. 
XXXX XXXX - XXXX - FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - This account is reporting incorrectly. Please verify that this is reporting accurately. Please remove this account from my credit report. 
You have yet to actively report this information on my consumer report. 
XXXX XXXX XXXX - XXXX - 12 CFR 1006.34 - Notice for validation of debts- Please remove this account. You are in direct violation of the FCRA for reporting this account on my credit profile without conduting a proper investigation. Per 15 US Code 1681n - Civil liability for willful noncompliance, as a consumer I have sustained grave damages as a result of your negligence. As a result, I have grounds to sue you XXXX of XXXX for these damages up to {$1000.00}. 
XXXX XXXX XXXX - XXXX - FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - Please verify that this is reporting accurately. This account is reporting incorrectly. Please verify that this is reporting accurately. 
Please remove this account from my credit report. You have yet to actively report this information on my consumer report. 
XXXX XXXX XXXXXXXX - - FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) - This account is reporting incorrectly. Please verify that this is reporting accurately. Please remove this account from my credit report. 
You have yet to actively report this information on my consumer report. 
XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! - Please provide me with proper documentation of these hard inquiries, because I did not authorize these at all. If you can not provide this proof, these unauthorized hard inquiries need to be removed immediately. 
XXXX XXXX XXXXXX/XX/XXXX - Please verify that this inquiry is reporting accurately on my report now! - Please provide me with proper documentation of these hard inquiries, because I did not authorize these at all. If you can not provide this proof, these unauthorized hard inquiries need to be removed immediately. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - FCRA Section 605B ( 15 U.S.C. 1681c-2 ) - Right to Block Information Resulting from Identity Theft : Under Section 605B, I am requesting the removal of the unauthorized hard inquiries from my credit report.

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. 
in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4.

business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

2 of 4 ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error, or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer.

shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i.

( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew. 
or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
( d ) Exception for resellers. 
( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller. 
( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.

( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.

3 of 4 ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting. 
agency from which the consumer information was obtained for resale.

( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negatable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section.

1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.

( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. 
Please send me an updated credit report with deletions of the above accounts removed from my credit report with-in 15 days. 
Yours truly, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation