Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked, XXXX, XXXX XXXX and Experian Credit bureaus, paid for services and filed disputes to no avail, to do a verification of my credit report and they stated everything was accurate ; I also did a thorough research myself and found improper in accuracies on the credit report even after they stated a thorough research and claim. 

In accordance with the fair credit reporting act XXXX  Account, My name should be shown as XXXX XXXX The only address on file should be : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Florida XXXX The only telephone should be XXXX my Social Security XXXX ( it should not be shown on any of the report OR LAST 4 DIGITS XXXX ) My Date of Birth : XXXX The only Employment shown should be : XXXXXXXX XXXX XXXX My Position : XXXX  ( NOT CEO ) XXXX XXXX XXXX XXXX : XXXX - showing late payments or no data, ( Auto Loan ) ( I HAVE NOT BEEN LATE AND ACCOUNT IS CURRENT ) XXXX XXXX XXXX XXXX : XXXX - showing late payments or no data, ( Home Equity ) ( I HAVE NOT BEEN LATE AND ACCOUNT IS CURRENT ) XXXX XXXX XXXX XXXX : XXXX - ( SHOWING incorrect BALANCE XXXX ) ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND ACCOUNT WAS PAID AND CLOSED ) XXXX  XXXX XXXX  : XXXX - ( SHOWING BALANCE OF XXXX ) ( ACCOUNT PAID IN FULL, NEVER LATE ) XXXX XXXX : XXXX - showing late payments, or no data, ( Mortgage ) ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND ACCOUNT IS CURRENT ) XXXX : XXXX - ( SHOWING incorrect BALANCE XXXX ) ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND ACCOUNT IS CURRENT ) XXXX : XXXX ( SHOWING incorrect BALANCE XXXX ) ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND ACCOUNT IS CURRENT ) XXXX XXXXXXXX - showing charge/off and balance, XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NT READ CHARGED OFF ) XXXX XXXX XXXX XXXX - showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX XXXX XXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX XXXXXXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX XXXXXXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX  XXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) XXXX XXXX showing charge/off and balance XXXX ( I HAVE NOT BEEN LATE ON THIS ACCOUNT AND I CLOSED THE ACCOUNT, AND PAID IT IN FULL, THIS SHOULD NOT READ CHARGED OFF ) BANKRUPTCY XXXX  XXXX REF DISMISSED, NOT PROCESSED ( SHOWING INCORECT INFORMATION, NOT PROCESSED ) HARD INQUIRIES ; ( NOT PROCESSED BY ME ) XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I LISTED A SECURITY ALERT ON MY REPORT AS I W

AS A VICTIM OF IDENITY THEFT Has violated my rights and I'm requesting a removal of said accounts from all three credit bureaus, PERSUANT TO SECTIONS ; 15 U.S.C. 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C. 1681 SECTION 604 A. States Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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