Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to address significant inaccuracies in the information reported by your agency. As a consumer, I am alarmed by the blatant negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, you are obligated to provide a full description of the reinvestigation procedure used to verify these disputed items, including the business name, address, and contact number of any furnisher of the disputed information. You are hereby given 15 days to respond with the requested information. Failure to comply with this demand will result in further action, as permitted by law. Despite my prior communication, which clearly stated that I am a victim of identity theft, and despite my FTC report ( enclosed ), your agency has failed to block and remove the disputed items from my credit report within the four business days mandated under 15 U.S.C. 1681c-2 ( c ) ( a ). This continued reporting is not only misleading but is a clear violation of the FCRA, and I demand immediate corrective action. 

Below are the disputed accounts that remain improperly listed on my credit report : XXXX  XXXX XXXX  Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks. 

XXXX XXXX Account XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX XXXX XXXX Account XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX Account XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX XXXX Account XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX XXXX Account XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX Account XXXX This is my FINAL NOTICE. I've told y'all over and over that my info got messed up in that XXXX XXXX breach, and now my credit report 's got all kinds of fraudulent stuff I don't even recognize. UNPROVEN! Y'all can't just assume these undocumented claims are valid or report like that. Show me proof y'all are following the right compliance standards for this account. The FTC is on this. DELETE! 

XXXX XXXX XXXX XXXX  Account XXXX " This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never late, so delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. ''

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