Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: LA
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:
ALL FTC VIOLATIONS XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX NOT MY ADDRESSES Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 38 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$3400.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3400.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX   Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 48 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4600.00} Highest Balance XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1900.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1600.00} Highest Balance XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 24 Months Monthly Payment -- Responsibility Joint Account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$2500.00} Highest Balance {$2400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate Payment History Latest Status : Current XXXX OK OK OK OK XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$2300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$2300.00} Highest Balance {$2300.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate Payment History Latest Status : Current XXXX OK OK OK OK XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Creditor Contact Details XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$18000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXXXXXX XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 300 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$18000.00} Highest Balance {$15000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX 90 120 OK OK XXXX OK OK U U U OK OK OK OK OK OK OK XXXX OK OK U OK U OK OK U U OK OK OK XXXX U OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late 120 120-149 Days Late U Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX SXXXX XXXX XXXX   {$33000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX U Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 77 Months Monthly Payment {$880.00} Responsibility Joint Account Balance {$33000.00} Highest Balance {$34000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX  XXXX, XXXX Amount Past Due -- Times 30/60/90 Days Late 5/6/0 Remarks Affected by natural disaster Payment History Latest Status : Current XXXX OK OK 30 30 XXXX OK OK OK 30 60 30 60 60 30 60 60 60 XXXX OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX {$35000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment {$690.00} Responsibility Individual Account. 
Balance {$35000.00} Highest Balance {$46000.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$690.00} Times 30/60/90 Days Late 3/4/0 Remarks Affected by natural disaster Fixed rate Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK XXXX OK OK OK OK OK 30 60 30 60 30 60 60 XXXX OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX, IN Account Type Note Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 15 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/1/2 Remarks -- Payment History Latest Status : Current XXXX 90 120 OK OK OK XXXX U OK OK OK OK OK OK OK OK OK 30 60 2018 OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late 120 120-149 Days Late XXXX Unknown 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX XXXX XXXX {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX  Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 26 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$1700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Payment History Latest Status : Collection/Charge-Off XXXX 120 2019 OK OK 30 30 OK OK OK OK OK 30 60 90 XXXX OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 120 120-149 Days Late 30 30-59 Days Late 60 60-89 Days Late 90 90-119 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX , MS XXXX XXXX XXXX XXXX {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$1000.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks Variable/adjustable Last Reported XX/XX/XXXX Creditor Name US DEPT. OF EDUCATIO Account Type Education Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$14000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/8 Remarks -- XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XXXX XXXX Inquiry Type : Credit Unions XXXX XXXX  Creditor Contact Details XXXX XXXX  XXXX XXXX XXXX CT XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos. 
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos. 
XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos. 
XXXXXXXX XXXX XXXXXXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX, XXXX Creditor Contact Details XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos. 
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX , LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos. 
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos. 
XXXX XXXX Creditor Contact Details XXXX XXXX 4XXXX XXXX XXXXK XXXX XXXXXXXX, MS XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos. 
XXXXXXXX XXXX  XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, New XXXX  XXXX Creditor Contact Details XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX , VA XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : All Banks XXXX XXXX  Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX Creditor Contact Details XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX  Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions   XXXX XXXX Creditor Contact Details XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , LA XXXX ( XXXX ) XXXX Inquiry Date XXXX XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : XXXX XXXX, XXXX   XXXX XXXX  XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date XXXX XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, XXXX XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX No contact information has been reported by this creditor. 
Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX No contact information has been reported by this creditor. 
Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX  ALL THE INQUIRY COLLECTION : FTC XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor XXXX XXXX XXXX XXXX XXXX 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