Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called and asked about why my personal information is being furnished without my written permission, which is a violation against my rights and is a crime and i need these credit reporting agencies to do what I am requesting and i demand that the experian, XXXX, and XXXX block and remove the negative items including any and all late payments as that is a negative experience upon me, the consumer. Each violation is {$1000.00} and I am demanding that I be compensated for all of the late payments reported, I will attached my consumer report to view for reference.

I called around friday and monday of last week and I got no help. They transferred me back n forth and I just want my report to reflect correct and authorized reporting, which has not been done. Please reinvestigate and have a thorough investigation performed immediately and without delay. I need the credit reporting agencies to prove to me and send me tangible proof that I authorized the CRA 's and the alleged creditors to report any and all the late payments on my report. I need all of them to send me a certified copy of my wet signature for each of the late payments that were reported 30,60,90 days late and I approved this action. I know i have not executed any SSA OBM form 89 ( every single reporting transaction needs to be authorized by me and only me or it is ID theft and I need that matter fixed ) to release and share my personal information. I am being harmed and injured as the minutes pass because the false and negative experience and transactions being reported without my consent is damages upon me not to mention no financial company will extend me credit and I get denied will approve me due to the fraudulent reporting and I am reporting these violations and I need my credit file fixed, corrected and adjusted correctly and properly.

The late payment transactions that need to be corrected is as follows : Experian : XXXX XXXX XXXX # XXXX, XXXX lates and a Repo, that all needs to be removed and fixed. Fraud and I d theft by XXXX and CRA 's. 
XXXX XXXX XXXX  XXXX, 3 late payments on credit report. XXXX XXXX XXXX XXXX, 2 lates showing. XXXX XXXX, shows late payment FIX IT. XXXX XXXX XXXX , shows late payment. XXXX XXXX  XXXX XXXX XXXX  shows LATE PAYMENTS. 
XXXX XXXX XXXX SHOWS LATE PAYMENTS THAT NEED to be fixed. I also never allowed or gave permission to Report account closed. That is a violation. I need it all fixed and If it is not a good reporting and if it prevents me from having a XXXX credit score then it must be blocked and removed. XXXX XXXX I never requested or authorized this account to be closed. I need it to be opened and my credit card needs to be able and ready for use. XXXX XXXX : showing lates and closed. I NEVER gave permission to close this account. XXXX XXXX XXXX XXXX XXXX Credit card. I never authorized or requested this account to be closed. I need the company to leave my accounts open, current and ready for use. Another XXXX XXXX XXXX XXXX XXXX I need to be left open and current and ready for me to use and I never authorized or consented to have this account closed. Send new ready filled card for me the consumer.XXXX  XXXX # XXXX, Shows negative experience reporting without my consent. Please have that fixed, remove charge off, because i never instructed to report or furnish any of these transaction experiences, late payments, XXXX XXXX XXXX XXXX XXXX, I never authorized to close this account. XXXX XXXX XXXX, I never allowed or consented to these co, late payments, and transactions to be reported. I need these credit cards to remain open and ready for use. XXXX XXXX XXXX, I never approved for these late payments, negative mark, reporting to be placed without my consent. I need that card and I need it ready and able to use.XXXX  XXXX, I need this card and extension of credit and left open and ready for use. I never consented to report any of this information. XXXX XXXX, I never requested to have this account closed. I need it open, and ready to use. XXXX : XXXX : I never consented to close this account, i need a new card and ready to use with loaded credits. XXXX XXXX  : XXXX : late payment and never requested to have this account closed. XXXX XXXX : This is showing negative information and needs to be fixed. 
Collections : CRA 's are in violation of my rights and I have no contract and I need them to be fixed blocked and removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no contract with these companies and I owe then nothing and they are getting invoices to pay me for the violations and fraud and damages upon me. 
Hard inquiries that i do not consent to and I demand they get removed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX : All info on this report is not my name nor is it me : XXXX XXXX XXXX, is not me. I am the living natural woman and my name is XXXX XXXX. 

The lousy investigations that have taken place thus far is not being completed properly as I have instructed.

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