Consumer complaint received 2019-12-04
Company: Experian Information Solutions Inc.
State: TX
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 accounts on my credit report that are more than 7 years old. Accounts that are not mines and accounts that were paid off and never late. For some reason they will not dispute, they will not correct not matter what information is being sent to them.

This account below is not mines, nor this company provide and notice of debt.

XXXX  XXXX  XXXX  Original creditor: XXXX XXXX  XXXX  XXXX  $XXXX
0% paid off

These (2) accounts are 7 years old and should have been deleted. These accounts are also paid and was never late.

XXXX  XXXX  XXXX  
$XXXX  Paid, closed
16 charge-offs

XXXX  XXXX  XXXX  XXXX  XXXX  
$XXXX
Paid, closed
63 charge-offs

XXXX  XXXX  XXXX  - I have a 1099C for this account which is 10 years old.
$XXXX
Paid, closed
72 charge-offs

This account below is not mines.

XXXX  $XXXX
Paid, closed
14 charge-offs


These inquiries I didn't authorize and some are more than 2 years old. They all should be deleted.

XXXX  XXXX/XXXX  XXXX  XXXX  
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Federal Government
Inquiry date: XX/XX/XXXXRemoval date: XX/XX/XXXX
XXXX/XXXX XXXX XXXX
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  
Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX   XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  
Automobile Dealers, New
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX/XXXX XXXX  
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX   XXXX  Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX  XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Wireless Telephone Service Provider
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX XXXX  Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX/XXXX  XXXX  
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX  XXXX XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date:XX/XX/XXXX
XXXX XXXX XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX
XXXX - Installment Loans
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  Finance Reseller
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  
Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX/XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  Tenant Screeners (Reseller)
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Tenant Screeners (Reseller)
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Tenant Screeners (Reseller)
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX   XXXX  XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX/XXXX XXXX  
Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX   XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  Finance Companies - non specific
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX XX/XX/XXXX Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX  Credit Cards
Inquiry date: JXX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Credit Unions
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX 
XXXX/XXXX XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Auto Reseller
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX  Credit Cards
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  Credit Unions
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  
Credit Unions
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  Tenant Screeners (Reseller)
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX   Credit Unions
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  XXXX  XXXX  
Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX/XXXX  XXXX  Credit Unions
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX  XXXX  Auto Financing Companies
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX
XXXX   XXXX/XXXX  XXXX  Automobile Dealers, Used
Inquiry date: XX/XX/XXXX
Removal date: XX/XX/XXXX

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