Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


Disputed Accounts : XXXX XXXX XXXXXXXX - This charged-off account is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ), as it remains inaccurately reported without proper validation, and failure to remove it will lead to legal action for willful non compliance with federal consumer protection laws. - Please remove this account XXXX XXXX XXXX - This charged-off account is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ), as it remains inaccurately reported without proper validation, and failure to remove it will lead to legal action for willful non compliance with federal consumer protection laws. - Please remove this account Bankruptcy to be removed - XXXX - XXXX - This account is inaccurate because you have incorrectly stated the court 's name. You are required to include the court 's name, city, and state in your reporting, which you have failed to do. I demand that you remove this inaccurate public record from my consumer report based on sections 1681b ( 2 ) and 1681s ( 2 ) ( b ). - Your actions are in violation of FCRA Laws and CDIA Standards I insist that you remove this erroneous information. 

Bankruptcy - XXXX - This bankruptcy case was dismissed under 11 U.S.C. 521 ( i ).

As a result, no discharge was granted, and the bankruptcy should not be listed as discharged. A dismissed bankruptcy is not considered a final bankruptcy proceeding and, according to 15 U.S.C. 
1681c, should be reflected appropriately in the public records section of my credit report. Your current reporting is in violation of the Fair Credit Reporting Act ( FCRA ) and the CDIA Standards. I request that you remove this erroneous information. 

Bankruptcy - XXXX - The bankruptcy in question was discharged under 11 U.S.C.

727, and all dischargeable debts were eliminated. As outlined in 15 U.S.C. 1681c, once a bankruptcy is discharged, it must be updated and removed from the public records section of my credit report within a reasonable period, typically 10 years from the filing date. Your failure to do so is in violation of the FCRA and CDIA Standards. I request that you remove this outdated and inaccurate information. 

Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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