Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This notice is to inform you that due to various concerns regarding a lack of fair and accurate credit reporting which I want you to investigate per the provisions provided in the FCPA. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. The information being reported has caused me severe damages. I have experienced personal, mental and financial anguish because of extension of credit denials based on incorrect reporting on my consumer report. 

This inaccurate credit reporting is a misrepresentation of my person.Reporting agencies such as but not limited to Experian, XXXX, and XXXX have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumersunder the fair credit reporting act. It is my belief that the information being reported has NOT been investigated upon insertion to my consumer report. I am a private American and my person is trust property. 

There are several violations of the Fair Credit Reporting Act regarding the treatment towards my consumer report. According to 15 USC 1681b, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other unless IN ACCORDANCE with the given WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. I have not provided any written instructions to any of the companies nor credit reporting agencies currently reporting on my consumer report to furnish my private dealings with anyone. In addition to that, according to 15 USC 1681c states that no consumer reporting agency ( except as authorized under subsection ( b ) ) may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Based upon these laws and the fact I have never committed nor been convicted of a crime, the credit reporting agencies should not be reporting any adverse items of information on my consumer report. 

Furthermore, I am aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ) .I have attached a Certificate of Financing statement from the office of the California Secretary of State . Search Criteria shows NO RESULTS FOUND for my name to pay any financial obligation. I AM A CONCERNED CONSUMER WONDERING WHY THEY ARE REPORTING DEBT THAT DOESNT BELONG TO ME. 

Experian, XXXX, and XXXX are reporting different variations of the accounts below that are not an obligation to my name according to the Secretary of State.I want them to be lawfully corrected, in order to positively impact my credit score so that my life is no longer under financial turmoil due to invalid reporting by for-profit corporations. 

Accounts : 1. XXXX XXXX XXXX with the corresponding account number being XXXX with a previous balance of {$10000.00} & being opened on XX/XX/XXXX. 

2. XXXX XXXXXXXX XXXX XXXX with the corresponding account number being XXXX with a balance of {$2500.00} & being opened on XX/XX/XXXX. 

3. XXXX XXXX with the corresponding account number being XXXX with a balance of {$1100.00} & being opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX with the corresponding account number being XXXX with a balance of {$640.00} & being opened on XX/XX/XXXX. 

5. XXXX XXXX XXXX  with the corresponding account number being XXXX with a balance of {$3200.00} & being opened on XX/XX/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 non-monetary relief