Consumer complaint received 2025-02-24 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: AL

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. 

XXXX XXXX - XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C.

1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXXXXXX - XXXX - I am disputing this account because it is currently involved in litigation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), any attempt to collect, report, or verify this debt while legal proceedings are ongoing may constitute a violation of federal law. This section prohibits false or misleading representations, including failure to communicate that a disputed debt is involved in litigation. I request that this account be removed from my credit report or marked as disputed and involved in litigation until the matter is fully resolved. - Remove this account! 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX XXXX - XX/XX/XXXX - XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX  - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX  - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights. 
XXXX XXXX  XX/XX/XXXX - This inquiry was not authorized - Under the Fair Credit Reporting Act ( FCRA ), you are required to provide full validation of this account, including the original signed contract, accurate payment history, and proof that the account belongs to me. If you can not provide this information, any inaccurate, unverifiable, or obsolete data must be removed immediately, or I will file a complaint with the CFPB and pursue legal action for violation of my rights.

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