Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX and etc. continues to report the same account multiple times on my credit report when there should not be multiple accounts displaying on my credit report with same account number but with different dates of opening the accounts and closure dates also different payments that are inaccurate and I have reached out to each company individually about this issue and according to the Fair Credit Reporting Act everything that reflects across a credit bureaus reports they are to report accurately and 100 % fairly but they are in violation with reporting erroneous, obsolete info on my credit report and I keep trying to get it corrected but it seems as if they aren't receiving my letters or just simply ignoring me and it's becoming difficult to obtain credit due to these errors on my credit report that the bureaus and creditors won't properly investigate. I have listed here the accounts that I have been coomplaining about for the past 6 months or more only for them to remain on my credit report. 


1. The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX 5. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. Under 15 U.S.C. 1681i paragraph ( 5 ) any info XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : This is an actual warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you many notices to reinvestigate the information previously disputed. I have attached my previous items for you to revisit. 

The computer-generated response I received is unacceptable and my patience is wearing thin. If the information is not immediately reinvestigated and removed, I will have no other choice but to seek legal advice for removal through the court and file complaints with the regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

Remove this incorrect information at once and send me an updated copy of my credit history report. 


1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX  XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 5. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 8. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 9. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

11. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

12. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXX 
Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : This is an actual warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you many notices to reinvestigate the information previously disputed. I have attached my previous items for you to revisit. 

The computer-generated response I received is unacceptable and my patience is wearing thin. If the information is not immediately reinvestigated and removed, I will have no other choice but to seek legal advice for removal through the court and file complaints with the regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

Remove this incorrect information at once and send me an updated copy of my credit history report. 

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 5. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 8. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 9. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 10. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 11. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 12. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX  - G Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 13. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXXXXXX XXXX XXXX 
Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation