Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I have been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called XXXX XXXX and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not XXXX  XXXX compliant. 

These accounts is reporting inaccurately and it is not XXXX XXXX compliantI demand the following accounts be removed immediately NAME OF ACCOUNT : 1.The following account is not mine ; XXXX : Account XXXX. 

Please remove it from my credit report. 


2.The following account is not mine ; XXXX  : Account XXXX. Please remove it from my credit report. 

3.The following account is not mine ; XXXX XXXX : Account XXXX. 

Please remove it from my credit report. 4.The following account is not mine ; XXXX XXXX : Account XXXX, opened : XX/XX/XXXX. 

Please remove it from my credit report. 
5.The following account is not mine ; XXXX XXXXXXXX XXXX  : Account number : XXXX. 
Please remove it from my credit report..

6.The following account is not mine ; XXXX XXXX  XXXX Account number : XXXX. 
Please remove it from my credit report. 
7.The following account is not mine ; XXXX XXXX XXXX Account number : XXXX. 

Please remove it from my credit report. 8.The following account is not mine ; XXXX XXXX XXXX Account number : XXXX. 

Please remove it from my credit report... 9.The following account is not mine ; XXXX XXXX XXXX Account number:XXXX 
Please remove it from my credit report. 10.The following account is not mine ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Past due balance {$XXXX}. 
Please remove it from my credit report.. 
11.The following account is not mine ; XXXX XXXX XXXX : Date opened XX/XX/XXXX. 

Please remove it from my credit report.. Also, please remove all non-account holding inquiries over 30 days old and add aPromotional Suppression to my credit file. 

According to the rulings and findings of " Spokeo , Inc. v. Robins '' and " XXXX vs Ramirez '', where in both cases the platiffs were able to file suit based on '' concrete injury '' that was caused to them by credit reporting agencies and information reporting agencies. 

Your agency is '' disseminating '' unverifiable information without my permission of a company in which I have no contractual agreement with whatsoever. You have caused an " injury-in-fact ''. According to " Spokeo, Inc v. Robins '' the Court explained that aconcrete injuryrequires that aninjurymust actually exist or there must be a risk of realharm,... 

The fact that you are posting unverifiable information that is NOT even XXXX XXXX compliant has caused me and my financial situation " harm '', " inury '' and there is a " risk of real harm '' to future opportunities to obtain credit. 

Due to " Spokeo, Inc. v. Robins '' and " XXXX vs Ramirez '', I have the right to file a suit against your organization. I am in the process of contacting legal counsel. Before this happens, remove and delete the account ( s ) mentioned above.

Verify this account is reporting 100 % Accurate and Without Error, and if it's not, Immediately Delete This Account from my credit file.As proof of identity, I have enclosed a copy of my drivers license and proof of address. Once your investigation is completed and you deleted this information please mail me a complete and updated copy of my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX name is : XXXX XXXX XXXX XXXX current address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX My phone number is XXXX All other addresses, names and phone numbers are not accurate. Please remove these addresses, names and phone numbers that are not mine.I hereby acknowledge that the above information is true and correct.Thank you for your time, 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