Consumer complaint received 2019-06-21
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: Account status incorrect

Complaint:
As you can see from my credit reports ( attached ), I have never wanted credit.The little I have is paid as agreed except, Experian is reporting an error that another CRA is not reporting. 

On XX/XX/XXXX I received a notification with my military bank ( attached ) was breached, so I ordered my latest credit reports. To my suprise there were XX/XX/XXXX student loan late payments and collection from XXXX. I last ordered my credit report in XX/XX/XXXX and have spent the last at least 5 years complying with everything asked of me by the Creditors and Credit Bureaus Experian, XXXX, XXXX including : 1. Paying/Overpaying invoices on time Note : Sacrificing basic needs for me and my family, including child with XXXX ( see attached ). 

2. Providing evidence : previous I.D . theft report, filing with FTC, old police report. 

3. Adding extended fraud alert/freezes/statements ( +5yrs now ) Note : At the urging of the Credit Bureau , making it difficult to get my annual report, XXXX declined a prepaid card, denied bank account and seems as though my credit reports are red-flagged. Is that possible? 

4. Not applying for credit at all. 
Note : Ive avoided credit for many years. However, nowadays to rent transportation, companies are demanding you have a credit card instead of debit. 

Im from a military family and am now the father of a child with XXXX. A Credit Bureau reporting Error is the only thing preventing me from an accurate credit report. Incorrect double erroneous XXXX late payment student loan entries ( see attached ). 
Note : Could the bureaus reporting of wrong names be a reason? I have been trying to get 9 incorrect name variations ( like adding an S and KK of which I have none ) and 14 address variations corrected for the past several yrs. without success. 

It is fair and accurate to delete the incorrect entries, these are surprise entries based on XX/XX/XXXX info I never knew about. I humbly ask for your assistance. I need all information to be accurate, as I will need support for my family for needs not covered by insurance. I will also need to seek more employment avenues in addition to my current job. 

Due to inaccuracies not corrected by credit reporting agencies and fringe bureaus, I have experienced employment and financial distress, resulting in being turned down for a job in the past, and get working transportation to help take care of my son with XXXX XXXX proof available ) and needs for other children 's school needs. 

I have overpaid on many occasions $ XXXX {$500.00} a month ( see attached ) even though my basic utilities were behind. When I ordered my reports I found inaccurate double reporting on late payments/collections on XXXX entries? 

1. Re : Inaccurate Credit Bureaus reporting student loan Late Payments/Collection ( reports attached ) : I would like to request that all references to XXXX  and subsidiaries ( including XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) accounts be deleted : On Experian report Issued:XX/XX/XXXX XXXX # ******************* .... ( XXXX XXXX  XXXX, XXXX XXXX, PA XXXX, 2. Re : Wrong names ( attached ). 

I would like to request that all references to names other than my given name be deleted from Experian, XXXX and XXXX Help, I thought FCRA 609, 623 are suppose to protect us. 

I have attached a copy of my driver license and a copy of my bank statement insurance bill with my current address and a copy of my social security card. 

If you have any further questions please feel free to contact me at the address below. 

Thank you kindly, 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