Consumer complaint received 2019-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1 ) The addresses are incorrect. 
Current address is showing XXXX XXXX XXXX, XXXX, CA XXXX as of XX/XX/XXXX. This is not my address since XXXX, that means someone has fraudulently used this address in their inquiry. 

Former address XXXX XXXX XXXX shows as former address, but I lived there in XXXX. Shouldn't it be gone already since the information is over 20 years old? 


2 ) The collection in dispute XXXX XXXX XXXX to XXXX XXXX XXXX for {$200.00}. I have disputed this item since XXXX. It has been incorrectly charged to me. It's a fraudulent charge. This should not even be on my credit report. 


3 ) XXXX XXXX under XXXX credit report Paragraph 5.1 is a double dip from XXXX XXXX, XXXX/XXXX under Paragraph 2.3 that shows closed with charge off of fraudulent {$700.00}, which was built up from nothing to {$860.00}, and then sold to XXXX. 
In XXXX of XXXX, I filed a complaint against XXXX XXXX, and I was given an amount to pay off. I sent them my final check after the complaint was settled along with many prior requests to close my account after several times. They resented my requests, and kept the account going into the negative, because they had a motive to keep it going for the higher interest rate. The non-existing amount grew through their made up payments all the way to {$860.00}, which XXXX took over from XXXX/XXXX to keep it alive. This is an illegal predatory growth of funds via made-up payments to the consumer by XXXX XXXX, and this must be stopped. Both of these companies XXXX and XXXX XXXX have negatively impacted my credit since XXXX, which resulted in higher interest payments on my auto lease ( paid off now ) and rejections of other credit lines I applied for. They must be gone from my credit reports, and yet, they are still on all three credit reports. They must pay consumers for unfair consumer practices. As for the credit bureaus, they must eliminate these predatory lenders from my credit, which they have not done, although, I have disputed them for years. Contact for XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Tel : XXXX and for XXXX/XXXX is XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ,, GA XXXX. Tel : XXXX 4 ) Under Collections on my report, the Collection to XXXX XXXX XXXX XXXX for University of XXXX date assigned XX/XX/XXXX for {$2500.00} is a fraudulent double-dip of University of XXXX again. Contact shown on credit report XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX. I have no idea where they got this amount they are collecting. This must be erased from my report. 


5 ) Under my XXXX report paragraphs 4.12 the amount in collection for University of XXXX is {$1000.00}, and under paragraph 4.13 there is a student loan collection to University of XXXX for {$16000.00}. The information of collecting these amounts are incorrect. In 4.13 the high credit is {$12000.00}, and the amount in collection is {$16000.00}. How? Isn't this also a predatory action by University of XXXX. Their contact shown is UNIVERSITY OF XXXX, STUDENT ACCOUNTING, XXXX XXXX XXXX, XXXX, CA XXXX, XXXX Not only is the University of XXXX predatory in charging students, but they are also discriminating against students. They should be punished for discrimination. 


Under XXXX Paragraph 4 there are Student loans to Dept. of Ed/XXXX  of which 4.1 through 4.11 all show 90 days delinquency in XX/XX/XXXX. This is incorrect, because deferment was applied already in XXXX, and there was no delinquency on deferrment. These loans have been deferred since the beginning and they are still deferred. This 90 day late on all these 11 loans must be eliminated immediately.

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