Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ATTENTION : CUSTOMER COMPLAINTS DEPARTMENT To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others that might be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all deficient of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it true or unknown! Again, I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 

I recently reviewed my credit profile and noticed inaccuracies and false accusations and possible fraudulent accounts. Please note : The personal information listed below requires attention. 

My one and only correct First and Last name is XXXX XXXX This Is My Accurate legal full name. 

I do NOT want any name other than what I listed above to be retained or reported. Do Not Report A Middle Name or Middle Initial. 

Please delete any other names that infringe on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. If any other name is listed, please delete at once or provide evidentiary PROOF of the legal right to retain such information. 

My correct and legally obtained XXXX is XXXX This Is My Accurate FULL legal Social Security XXXX 

If any other social security number is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other social security number is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information. 

My current correct Address Street Number , Street Name, City, State is XXXX XXXX XXXX XXXX TX XXXX. This Is My Accurate complete address. 

I do NOT want ANY OTHER ADDRESS OR PREVIOUS ADDRESS ( ES ) other than what I listed above to be retained or reported. 

Please delete any other addresses that infringe on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 

What you are reporting needs to match my Accurate Address as listed above only! If the previous address doesnt match my accurate address, please delete it right away! 

If any other address is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information. 

My one and only Date of Birth is : XXXX. This Is My Accurate Date of Birth. 

If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other date of birth is listed Please delete at once or provide evidentiary PROOF the legal right to retain such information. 

If the Date of Birth You Are Reporting Isnt Listed Completely as I have listed above, DELETE THEM IMMEDITELY. Just reporting a Year is also not ACCEPTABLE. What you are reporting needs to match my accurate date of birth as listed above only! 

PLEASE NOTE ( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).

( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ). 

RE : Consumer Notice to PHYSICALLY CHECK for complete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully TRUE, CORRECT, COMPLETE, TIMELY, and or elsewise VALID as reported and additionally as mandatory ensure that any injurious claim is PERFECT and COMPLETE in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY TRUE ACCURATE COMPLETE VERIFIABLY VALID and CERTIFIED as such is a MINIMAL REQUISITE of lawful reporting NOT AN OPTIONAL ONE! I as well use this notice to contest ignorant or elsewise deficient allegations regardless of reason of dereliction. My notice here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect-ability or not!

To Whom It May Concern : I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 

My one and only correct First and Last name is XXXX XXXX and I have no other requisite reported names or aliases. Please remove all other versions of information similar or alleged as being my name from my credit report. 

My current correct Address Street Number , Street Name, City, State is XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate.

Please remove all alleged employers that are listed on my report.

Please remove all phone numbers that are listed on my report, otherwise please provide proof that you have verified them to be completely accurate and perfectly factual and certifiably compliant in its reporting. I do not AUTHORIZE you to retain or report any not requisite reported, not certified compliant, potentially outdated, potentially inaccurate, and or else wise unverified even invalid alleged personal identifier information.

In accordance with Consumer Protection laws, I request that these NOTED items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified compliant and verified valid claims that are true and as reported. I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within 30 days of receipt of this letter. 

Please send a letter verifying your absolute and total compliance to the above address, along with my updated credit report. Thank you for your prompt and timely help in this matter. 

Sincerely, My one and only correct First and Last name is ___XXXX XXXX My one and only address is : XXXXXXXX XXXX XXXXXXXX XXXX TX 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