Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently pulled my consumer report and I have found numerous inaccurate and unauthorized reporting from all three major credit reporting bureaus XXXX, XXXX, and Experian which is a complete violation of the Fair Credit Reporting Act and the Privacy Act of 1974! The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX, and Experian have purchased my non public personal information from the banks and institutions that are reflecting on my credit report without my written consent and have continued to sell my non public information to non affiliated third party debt collectors without my consent! Completely violated and taken advantage of me all while profiting off my non public information. XXXX, XXXX, and Experian are in complete violation of the Privacy Act of 1974! Ive pulled all three credit reports from XXXX, XXXX, and Experian and compared the information that is being reported and there are over XXXX discrepancies amongst the three! 15 USC 6804 Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of State insurance authorities designated by the XXXX XXXX XXXX XXXX XXXX, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies. EXPERIAN is reporting unknown addresses on my consumer report. Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX are inaccurate and I demand EXPERIAN delete them immediately XXXX EXPERIAN is reporting a name XXXX XXXX XXXX which is inaccurate and I demand EXPERIAN delete this immediately! EXPERIAN is reporting an employer by the name XXXX which is inaccurate and I demand EXPERIAN delete this immediately! EXPERIAN is reporting XXXXXXXX XXXX account # XXXX as ( 1 ) Past Due - 30 days ( 1 ) Past Due - 60 days ( 4 ) Past Due - 90 days, with an account balance of {$3200.00}. It is illegal to report transaction history. With that being said I demand EXPERIAN update XXXX Account # XXXX as PAID AS AGREED immediately! EXPERIAN is reporting XXXX Account # XXXX with an account balance of {$380.00} and ( 2 ) Past Due - 30 days ( 2 ) Past Due - 60 days ( 3 ) Past Due - 90 days. I demand EXPERIAN delete this immediately! EXPERIAN is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$2000.00}. I demand EXPERIAN update XXXXDEPT OF ED as PAID AS AGREED immediately! EXPERIAN is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$2100.00}. I demand EXPERIAN update XXXXDEPT OF ED as PAID AS AGREED immediately! EXPERIAN is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$5500.00}. I demand EXPERIAN update XXXXDEPT OF ED as PAID AS AGREED immediately! EXPERIAN is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$1700.00}. I demand EXPERIAN update XXXXDEPT OF ED as PAID AS AGREED immediately! EXPERIAN is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$3500.00}. I demand EXPERIAN update XXXXDEPT OF ED as PAID AS AGREED immediately! EXPERIAN is reporting XXXX/DEPT OF ED Account # XXXX with an account balance of {$1700.00}. I demand EXPERIAN update XXXXDEPT OF ED as PAID AS AGREED immediately! EXPERIAN is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$1400.00}. I demand EXPERIAN update XXXXDEPT OF ED as PAID AS AGREED immediately! EXPERIAN is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$1100.00}. I demand EXPERIAN update XXXXDEPT OF ED as PAID AS AGREED immediately! 
EXPERIAN is reporting XXXX/DEPT OF ED Account # XXXX with an account balance of {$3500.00}. I demand EXPERIAN update XXXX/DEPT OF ED as PAID AS AGREED immediately! EXPERIAN is reporting XXXX XXXX XXXX Account # XXXX with a balance of {$2500.00} ( 2 ) Past Due - 30 days ( 1 ) Past Due - 60 days ( 3 ) Past Due - 90 days. Neither of the other credit bureaus XXXX or XXXX are reporting such account on my consumer report. I demand EXPERIAN delete this from my consumer report immediately! 


XXXX is reporting XXXXXXXX XXXX account # XXXX as an account balance of {$3200.00} and a high balance of {$3200.00}. It is illegal to report transaction history. With that being said I demand XXXX update XXXX Account # XXXX as PAID AS AGREED immediately! XXXX is reporting XXXX Account # XXXX with an account balance of {$380.00} and a high balance of {$380.00}. I demand XXXX delete this immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$2000.00} and a high balance of {$2000.00} completely different from Experian and XXXX. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$2100.00} and a high balance of {$2000.00} completely different from Experian and XXXX. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$5500.00} with a high balance of {$5500.00} completely different from Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$1100.00} and a high balance of {$1000.00} which is completely different from Experian and XXXX. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of $ XXXX is also reporting a high balance of {$3500.00} which is completely different from Experian and XXXX. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of $ XXXX is reporting a high balance of {$1700.00} which is completely different from Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of $ XXXX is reporting a high balance of {$1400.00} completely different from Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$1700.00} completely different from Experian and XXXX. XXXX is reporting a high balance of {$1700.00} completely different from Experian and XXXX. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of $ XXXX is reporting a high balance of {$3500.00} completely different from Experian and XXXX. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting an unknown name by the name of XXXX XXXX XXXXXXXX with a balance of {$2500.00}. I do not recognize such names. XXXX is reporting a high balance of XXXX. I demand XXXX delete this immediately! 


XXXX is reporting XXXXXXXX XXXX account # XXXX as an account balance of {$3200.00}. ( 1 ) Past Due - 30 days ( 1 ) Past Due - 60 days ( 8 ) Past Due - 90 days It is illegal to report transaction history. With that being said I demand XXXX update XXXX Account # XXXX as PAID AS AGREED immediately! XXXX is reporting XXXX Account # XXXX with an account balance of {$380.00}. I demand XXXX delete this immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$3500.00} and a high balance of {$3500.00} completely different from Experian and XXXX. XXXX is reporting a monthly payment of {$36.00} completely different from XXXX and Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$3500.00} and a high balance of {$3500.00} completely different from Experian and XXXX. XXXX is reporting a monthly payment of {$37.00} completely different from XXXX and Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$5500.00} with a high balance of {$5500.00} completely different from Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$1700.00} completely different from XXXX and a high balance of {$1700.00} which is completely different from Experian and XXXX. XXXX is reporting a monthly payment of {$18.00} completely different from XXXX. I demand XXXX update XXXX/DEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$2000.00} which is completely different from XXXX and Experian. XXXX is also reporting a high balance of {$2000.00} which is completely different from Experian and XXXX is reporting a monthly payment of {$20.00} completely different from XXXX and Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of $ XXXX is reporting a high balance of {$1700.00} which is completely different from Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of $ XXXX is reporting a XXXX balance of {$1400.00} completely different from Experian. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$1100.00} completely different from XXXX. XXXX is reporting a high balance of {$1000.00} completely different from Experian and XXXX.XXXX is reporting a monthly payment of {$10.00} completely different from XXXX. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXXDEPT OF ED Account # XXXX with an account balance of {$2100.00} completely different from Experian and XXXX is reporting a monthly payment of {$21.00} completely different from XXXX and XXXX is reporting a high balance of {$2000.00} completely different from Experian and XXXX. I demand XXXX update XXXXDEPT OF ED as PAID AS AGREED immediately! XXXX is reporting XXXX XXXX XXXXXXXX Account # XXXX with a balance of {$2500.00}. I demand XXXX delete this immediately! XXXX is reporting a collection with XXXX XXXX XXXX account # XXXX with a balance of {$66.00}. XXXX is the only credit bureau reporting this inaccurate information, XXXX and Experian are not. I demand XXXX delete this immediately! XXXX is also REPORTING 2 DIFFERENT SOCIAL SECURITY NUMBERS on my consumer report! This is absolutely unacceptable and complete fraud! This is a complete violation of the Privacy Act of 1974, because if there are 2 social security numbers reporting on my consumer report, I have a strong feeling my social security has also been exposed and sold and is currently being reported on someone elses credit report! USC 1681 ( b ) Permissible Purpose of consumer reports states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not consent, nor have I ever given written consent, or instructions to XXXX, XXXX, or Experian to report any such information that is currently reflecting my credit report! XXXX, Experian, and XXXX are reporting different names on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I immediately request of all inquiries on my consumer report be deleted by each credit bureau Experian, XXXX and XXXX as follows : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Not only have these credit reporting agencies stolen and sold my information but as a result of such inaccurate information and fraud being committed, Ive suffered emotional, and physical damages and lots of sleepless nights. I have been harassed on the phone for months straight by debt collectors attempting to extort me for money under duress! I have suffered XXXX XXXXXXXX which I am currently seeing a doctor for. Ive been denied my right of extension of my credit time and time again which has resulted in me missing my grandfather 's funeral, my inability to find housing, and the basic needs of life for me to properly thrive. I expect to fully be compensated per violation for the emotional and mental distress Ive suffered because of these agencies according to the law : XXXX, XXXX, and Experian. 
15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
PRIVACY ACT OF 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.

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