Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
Here were are again with these credit bureaus thinking its ok to violate my federal protected rights with customers agreements & bogus privacy statements, & unverified debt that they are claiming as verified debt. that does not over ride my federally protected rights. I have been back-and-forth with ( XXXX, XXXX XXXX and Experian ) these credit bureaus for months to the point that Im now filing suit against you all. I have informed all XXXX  bureaus of the XXXX litigation that I am going through right now through mail as well as through the CFPB XXXX has informed me personally and through the CFPB that they have sent the proper updated information to all three bureaus, and they are still reporting XXXX as a charge off on my credit report when it should not be on my report while we are going through this matter and I have requested that XXXX as well as XXXX XXXX be removed as a charge off on my account while XXXX XXXX should not be on my credit report at all as I owe them nothing nor do I know anything about this third party company now claiming this debt that they sold to back on XX/XX/year> named XXXX XXXX XXXX, whom I never enter into a consumer transaction with. The Fair Credit Reporting Act states that if a consumer notices inaccuracies or incompleteness of information they are to send a notice of a dispute to a consumer reporting agency notifying them of such inaccuracies or incompleteness. After going back-and-forth, yall keep stating that the accounts are accurate and verified your company has failed to conduct a proper investigation as there are still inaccuracies or incompleteness of the accounts that were in the initial notice of dispute which is a violation of 15 U.S.C. & 1681 ( i ) As I request again with proof of me, owing XXXX XXXX nothing the letter that they provided stating that they do not own this debt, which means I do not owe this debt to XXXX XXXX so again please remove this inaccuracy from my Report today. They have also violated my consumer rights per USC, 6802 please respect my rights under the FCRA Section 611 Part ( A ) ( 1 ) as this is the over the 3rd attempt to fix these inaccuracies in a timely manner per 15 usc 1602 in any consumer, credit transaction, the actual natural person is the one extending the credit and we know businesses arent natural persons. Im the consumer in which the debt is arising & XXXXXXXX XXXX XXXXXXXX inquiry I didnt authorize, Im not sure where it came from & i want it removed off my report. This company is violating my rights per 15 usc 1602p. Please update my information in a timely manner Per FCRA 611 Part ( A ) ( 1 ) 15 days or sooner 60 days is not acceptable again These are inaccurate on top of I am a victim of the XXXX XXXX breach, so everything that I have been requesting should have been updated through all three credit bureaus, and it was not so today I stand here stating I am challenging jurisdiction with evidence here of my letter from the homeland security, showing that I am not in your jurisdiction, on top of letting you know that securities fraud and inaccurate reporting is causing damages to me my natural living breathing self and my credit report. Experian has not one correct address that belongs to me on the report all three addresses are not mine and are non-mailable my correct address is XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX. All three addresses that they have need to be removed as well as I only have one name and that is. XXXX XXXX anything else needs to be removed as well. XXXX has all these addresses that are not none & not mailable as well XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC. I have added my correct address which they do have on file. I need all of these other non-malleable addresses to be removed as well as any other name that does not say 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