Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
**Dear to whom it may concern, My name is XXXX XXXX XXXX XXXX*I have been trying to report inaccurate items in my credit report for over year. However, the credit bureau always try to avoid their responsibility to review and remove incorrect items. They ask for me authorization which I have attached proofs of my identity below. I am writing complaint by myself and there are no one writing for me so please respect my time and afford. I don't accept anymore excuses for not doing your job, the Credit Bureau and even electronic response. I know that is just your tactic and it is not acceptable. You, the credit bureau are not fulfill their responsible and even intend to steal my money by ignoring the collections and negative account which I never owned and known of. According to Fair Credit Reporting Act, I demand my complaint to be reviewed carefully in a regulation time frame of 30-45 days. 
**Employment information** XXXX XXXX  XXXX XXXX   XXXX  These employments are not belong to me. So please delete it!!! 
**Addresses** XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX These addresses are not belong to me. I have attached proofs of my current address in the select box below. 
**Credit Cards** _XXXX XXXX Reported : XXXX. XXXX, XXXX This credit card is not belong to me. I never sign any contract and have any sign of this debt. DELETE it!!! 
XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX This account is not mine. Provide me full document or you must delete it in time frame of 30-45 days. 
XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX This account is not mine. Provide me full document or you must delete it in time frame of 30-45 days. 
**Other Loans** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never have any financial obligation with this company so please delete it!!! 
_XXXX XXXX XXXX VA Reported : XXXX. XXXX, XXXX Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. Delete it immediately!!! 
XXXX XXXX  XXXX XXXX - XXXX XXXX  Reported : XXXX. XXXX, XXXX Provide me full information about this collection or you must delete. My credit report is not a place you can settle unknown debts and state it is authorized. Delete it!!! 
***Collection*** XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed. 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX : XXXX. XXXX, XXXX This collection is not belong to me. Delete it!!! 
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. Delete it immediately!!! 
**Public Record** _Chapter XXXX Bankruptcy : Bankruptcy XX/XX/XXXX This account is unauthorized and incorrect. Please delete it!!!

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