Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: VA
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 am very aware that often times experian consumer complaints are often time avoided or filed as a possible XXXX party. i am in fact who i say i am and please CFPB make sure that experian does their job on filing and the processing ofI have submitted my FTC report to Experian more than XXXX time. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough that experian has failed to honor my rights as i have asserted them on more than XXXX occasion. I have contacted experian via phone as well mail with several attempts. i have proof via usps that shows that experian has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX account XXXX are violation my rights, XXXX XXXX are violating my rights, XXXX are in violation of my rights. which shows that the companies named in this complaint as well as experian are all violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( XXXX, XXXX and experian ). I have in fact been a victim of the XXXX security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and their hiccups. i have made numerous attempts to get Experian to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have experian do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization this complaint. 

Also experian is reporting inaccurate and incomplete information on the XXXX XXXX XXXX XXXX account that is reporting negative information of late payments as well as the XXXX XXXX XXXX XXXX  account on my credit report that is reporting negative information of late payments. i the consumer never received a notice of negative information from either capital one/bass pro nor from XXXX & XXXX XXXX XXXX these XXXX banks or creditors are reporting late payments on my credit report. pursuant to us code 15 us 1681s-2 via paragraph ( 7 ) furnishing this information the financial institution was to provide a notice of such furnishing of negative information, in writing, to the customer. a late payment is negative information, this negative information has caused me to miss in my life and i have suffered tremendously from 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