Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
These credit bureaus have been filing incorrect and fraudulent information on my credit report for months and nothing has been resolved. I'm not sure if it is due to the breach these companies have been battling with over the years but something has to be done. There are NUMEROUS fraudulent accounts and incorrect accounts in my name and it is harming my credit let alone my livelyhood. The accounts that are fraudulent and incorrect are as followed. XXXX : XXXX XXXX - Charge-Off Balance : XXXX ( this account is incorrect and should be remove off of my credit. ) XXXX Balance- {$200.00} status : Closed ( This is incorrectly being reported. It is paid in full and OPEN. this should not be showing closed and either needs to be removed from my credit or updated CORRECTLY. ) XXXXXXXX XXXX ( closed ) - Charge Off- {$2000.00} ( I have already spoken with these creditors to have this removed off of my account. ) XXXX XXXX XXXX XXXX ( This account is reporting late payments when I make each payment on time. This needs to either be removed from my report or updated CORRECTLY. ) XXXX XXXX XXXX XXXX - charge-off - Balance : {$890.00} ( This account was not opened by me and needs to officially be removed from my account. This account was opened by my parents and used BY my parents. This is fraud and needs to be removed from my credit report. ) XXXXXXXX XXXX XXXXXXXX - Collection Balance- {$630.00} ( This is a fraudulent reporting and needs to be removed from my credit report. ) XXXX - Collection - Balance : {$1800.00} ( This account was also opened by my family and not use from me and needs to be removed from my credit report as this is fraudulent reporting. ) XXXX - Collection - Balance : {$940.00} ( This is a fraudulent reporting as this account should not have been in my name whatsoever. This is fraud and needs to be removed from my credit report. ) Soft Inquiries that need to be removed from my report that are unfamiliar : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX - Charge Off - Balance : {$1400.00} ( This is a fraudulent account and has used my name or opening up credit cards. This needs to be removed off of my credit report. ) XXXX XXXX XXXX XXXX ( This account is reporting late payments when I make each payment on time. This needs to either be removed from my report or updated CORRECTLY. ) XXXX XXXX Credit Card - Closed - {$0.00} ( This account should NOT be on my report. They illegally closed my account without my consent and no letter given to me and no verbal announcement and reported that it was closed and hurting my credit report. I want this account REMOVED from my credit report. It was always paid in full. This is fraudulent reporting. ) XXXX XXXX XXXX - Balance : {$1800.00} ( This is a fraudulent account and needs to be removed from my credit report. ) XXXX XXXX - Charge-Off Balance : XXXX ( this account is incorrect and fraud and should be remove off of my credit. ) XXXXXXXX XXXX - Collection - Balance : {$630.00} ( this account is incorrect and fraudulent and should be remove off of my credit. ) XXXX XXXX XXXX - Collection Balance : {$4600.00} ( this account is incorrect and fraudulent and should be remove off of my credit. ) Soft Inquiries that need to be removed from my report that are unfamiliar : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Card - Closed - {$0.00} ( This account should NOT be on my report. They illegally closed my account without my consent and no letter given to me and no verbal announcement and reported that it was closed and hurting my credit report. I want this account REMOVED from my credit report. It was always paid in full. This is fraudulent reporting. ) XXXX XXXX XXXX XXXX ( This account is reporting late payments when I make each payment on time. This needs to either be removed from my report or updated CORRECTLY. ) XXXX XXXX - Charge-Off Balance : XXXX ( this account is incorrect and fraud and should be remove off of my credit. ) XXXX XXXX XXXX - Collection Balance : {$4600.00} ( this account is incorrect and fraudulent and should be remove off of my credit. ) XXXXXXXX XXXX XXXX Collection - Balance : {$630.00} ( this account is incorrect and fraudulent and should be remove off of my credit. ) XXXX XXXX XXXX XXXX - Collection - Balance- {$940.00} ( This is a fraudulent reporting as this account should not have been in my name whatsoever. This is fraud and needs to be removed from my credit report. ) Soft Inquiries that need to be removed from my report that are unfamiliar : 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

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 non-monetary relief