Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like all following parties to have received this following information. 

* [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ] * [ Experian XXXX XXXX XXXX XXXX, TX XXXX ] * [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ] *XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ( XXXX ) ( collection attorney ) *XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX *XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX, Tn XXXX ( XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX ( XXXX ) AFFIDAVIT OF TRUTH My name is XXXX XXXX my address XXXX XXXX XXXX XXXX XXXX Rhode Island DOB : XXXX XXXX Email : XXXX Phone Number XXXX SSN : ***-**- XXXX I have been recently looking to buy a home and it came to my detriment that a lot of things incorrect with my credit score starting with random addresses to random inquires and different collection agencies on my XXXX XXXX and Experian I have an account ( s ) on my XXXX Experian, and XXXX I would like to have verified with the Original XXXX. 
( XXXXXXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX ( XXXX ) ( collection attorney ) ( XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX, XXXX, Tn XXXX ( XXXX ) ( XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX, XXXX, Tn XXXX ( XXXX ) Pursuant to the U.S. Constitution, FCRA, FDCPA, U.C.C. these company are going against my XXXX amendment, and various other laws : Pursuant to 15 u.s.c 1692, Pursuant to FDCPA 15 U.S.C 1692, Pursuant to VALIDATION OF DEBT 15 USC 1692G, Pursuant to 15 U.S.C. 1692E FAILURE TO DISCLOSE ORIGIONAL Pursuant to The Declaration of independence ( Pursuit of happiness ) Pursuant to FDCPA : I have lost wages and emotional distress, due to these things being placed on my credit score i have been evicted, not being able to get a credit card, mortgage approval and i have reasons to believe it is due to the illegal practices that are happening on my credit score. 

Pursuant to the XXXX Amendment, all these companies have violated my right to privacy in my own papers and identity and my social security number is my private information that should not be passed around nor furnished to other companies without my legal consent. 

THE REMEDY I am asking for these companies to be removed from my personal credit score and for my credit score to reflect positively without these companies on them. 
I have been paying the price and became homeless due to this so I am also asking for an additional fee to settle out of court in the amount of {$7000.00} from each company stated above excluding the credit bureau. I am also asking to have these debts removed from my credit report. 

I am also asking for all binding contracts with me and these debt collection agencies pursuant to 15 U.S. Code 1681b ( 2 ).

Pursuant to ( FCRA ) all 3 bureaus have to present accurate and updated information to all consumers, I am asking for an investigation to be launched to make sure everything was reported on there legally and accurately.

THE REMEDY Make the credit score reflect the proper number and not a number due to negligent practices.

Credit Score : ( XXXX ) My life has been greatly impacted due to gross negligence with my information, there are inaccurate and false information on my credit score which has caused me hardship and embarrassment. For every place I ask for credit I am immediately denied. I am asking the cfpb and the 3 main credit bureaus to work with me to correct this matter. These marks should not be on my credit score and I would like for them to be removed or further action will be taken. 

If these requirements are met/or if there is a negotiation that can be made I am willing to do so with out the courts involvement.

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