Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding Experian, XXXX, and XXXX, as they are deliberately reporting false information on my credit report, which is adversely affecting my XXXX XXXX. Despite my numerous calls and applications challenging the inaccuracies on my credit report, these agencies have refused to conduct proper investigations into the issues I have raised. 

As a result of these erroneous reports, I have been denied essential business credit, personal credit, and job opportunities. This has led to significant hardships, including homelessness, loss of transportation, social restrictions, arguments, and undue stress. Although I experienced some of the most successful years in my personal and business life from XXXX to XXXX, the XXXX pandemic in XXXX caused immense hardship and nearly collapsed both my personal and business life. Prior to the pandemic, I had never missed a payment on my accounts. 

I am aware that some individuals have had negative items removed from their credit profiles due to XXXX ; however, this relief has not been applied uniformly across all credit profiles, including mine. Since the pandemic, restructuring my financial situation has become impossible due to the inaccurate information being reported. 

I have reported to Experian that it is inaccurately showing high balances on charged-off accounts. For instance, I have statements from XXXX Bank indicating a XXXX balance, yet my credit report shows a balance of {$3700.00}. Experian defends this by claiming it is historical in nature ; however, they are legally required to report accurate information. 

Additionally, I have invalidated collections from companies such as XXXX XXXX, with which I have never done business. I have also noticed unauthorized credit inquiries on my report, leading me to place security freezes with XXXX, XXXX, and other agencies, as I am a victim of identity theft due to recent data breaches. 

Experian continues to report names such as XXXX XXXX XXXX, who is my biological sister, potentially indicating that she is involved in the opening of these collection accounts. 

I am enclosing letters sent to XXXX XXXX and XXXX XXXX XXXX, which illustrate the inconsistent information reported among the XXXX agencies. For example, Experian shows a XXXX account ( number : XXXX ) with a last payment date of XX/XX/XXXX, and a XXXX late payment for XX/XX/XXXX. In contrast, XXXX lists the same account with a last payment date of XX/XX/XXXX, and a XXXX late payment for XX/XX/XXXX. Despite my challenges to these discrepancies, I always receive generic responses stating that the information has been verified. This situation is disheartening, as my efforts yield no constructive results. 

Regarding the XXXX XXXX account number XXXX, I note that Experian lists the account opening date as XX/XX/XXXX, while XXXX states it was opened on XX/XX/XXXX, and I do not recognize this account. I have received over XXXX alerts from Experian indicating that my identity, email, phone number, and Social Security number have been found on the dark web over the past XXXX years. Furthermore, the addresses associated with these accounts are inaccurate, as I do not reside at those locations. 

The law mandates that accounts reported on my credit report must be accurate. The blatant errors in my report indicate that proper verification has not been conducted. Given my continuous challenges and the generic responses stating " verify, '' it is clear that the inaccurate information can not be verified with due diligence. This violates the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e ( b ).

These violations and the failure to ensure maximum possible accuracy in all accounts on my credit file must be addressed. Once the credit agencies refuse to report accurately, it constitutes negligence and a wanton disregard for the requirements of the FCRA, particularly Section 1681i. I maintain my constitutional right to challenge these violations through legal action after disputing them administratively. I swear under XXXX of XXXX that the information contained herein is accurate. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX Ga XXXX