Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I WOULD LIKE ALL OF MY UNAUTHORIZED INQUIRIES, MY DEROGATORY REMARKS, LATE PAYMENTS, PUBLIC RECORDS, CLOSED ACCOUNTS, AND STUDENT LOAN ACCOUNTS REMOVED. MANY OF THESE ACCOUNTS FALL UNDER THE STATUTE OF LIMITATIONS OR ARE MISREPORTING ON MY CREDIT REPORT. PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT LAW 111-203, TITLE X, 124 STAT. 2092 ( 2010 ) FAIRCREDIT REPORTING ACT ( FCRA ) 15 U.S.C. 1681 ( FCRA ) ACCOUNT NAME : XXXX XXXX XXXXXXXX DATE FILED : TYPE OF ACCOUNT : Credit Card ADDRESS : XXXX XXXX XXXX XXXX, MN XXXX NUMBER : ( XXXX ) XXXX REASON : late payments 15 U.S. Code $ 1681a ( 2 ) ( B ) ACCOUNT NAME : XXXX XXXX XXXX XXXX : XX/XX/XXXX TYPE OF ACCOUNT : Credit Card ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : ( XXXX ) XXXX REASON : late payments 15 U.S. Code $ 1681a ( 2 ) ( B ) ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TYPE OF ACCOUNT : Credit ADDRESS : XXXX XXXX XXXX XXXX, DE XXXX NUMBER : ( XXXX ) XXXX REASON : Late Payments 15 U.S. Code $ 1681a ( 2 ) ( B ) ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX TYPE OF ACCOUNT : Charge card ADDRESS : XXXX XXXX XXXX, OH XXXX NUMBER : not provided REASON : Late Payments 15 U.S. Code $ 1681a ( 2 ) ( B ) ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX XXXX : TYPE OF ACCOUNT : Auto Lease ADDRESS : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : not provided REASON : Late Payments 15 U.S. Code $ 1681a ( 2 ) ( B ) ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX DATE FILED : TYPE OF ACCOUNT : Student Loan ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX NUMBER : ( XXXX ) XXXX REASON : Late Payments 15 U.S. Code $ 1681a ( 2 ) ( B ), ACCOUNT NAME : XXXX XXXX DATE FILED : TYPE OF ACCOUNT : Loan ADDRESS : XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX NUMBER : Not Provided REASON : Late 15 U.S. Code $ 1681a ( 2 ) ( B ), PLEASE REMOVE ANY AND ALL UNAUTHORIZED INQUIRIES FROM MY REPORTS AS I HAVE NO KNOWLEDGE OF EVER FILING ANY OF THESE INQUIRIES OR GIVING ANYONE, COMPANY, OR CORPORATION PERMISSION TO REPORT ANYTHING TO MY REPORT OR WAS PRIVY TO ANY OF THESE FILINGS XXXXXXXX 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 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 PLEASE REMOVE THE FOLLOWING NAMES FROM MY ACCOUNT. THESE ARE NOT MY NAMES AND I HAVE NOT AUTHORIZED ANYONE TO GIVE OR USE THESE NAMES. 
INACCURATE NAME AS STATED ON CREDIT REPORT INACCURATE NAME AS STATED ON CREDIT REPORT XXXX XXXX PLEASE REMOVE THE FOLLOWING ADDRESSES FROM MY ACCOUNT. I HAVE NEVER LIVED AT THE ADDRESSES LISTED BELOWN OR HAVE I GIVEN ANYONE AUTHORIZATION OF THESE ADDRESSES. INACCURATE ADDRESS AS STATED ON CREDIT REPORT INACCURATE ADDRESS AS STATED ON CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS FROM MY ACCOUNT. 
THIS INFORMATION DOES NOT APPLY TO ME.INACCURATE EMPLOYER AS STATED ON CREDIT REPORT 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