Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Dear to whom it may concern, My name is XXXX XXXX, I have been trying to report about inaccurate accounts in my credit report but the credit bureau has always intended to avoid their responsibility and none of my request has been fulfilled. According to Fair Credit Reporting Act, I expect you to complete this investigation withins 30 days. 
**Name Reported** _XXXX, XXXX XXXX T this name is incorrect, My only correct name is XXXX XXXX. Please delete it!!! 
**Address Reported** _ XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX , OH XXXX These address are incorrect, I have attached proofs of my current address below.! 
**Employment info** PRIME This employee is not belong our business so please delete it!!! 
**Credit Card** _ XXXX XXXX XXXX XX/XX/XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
_XXXX Opened Date XX/XX/XXXX The account balance show {$11000.00} when the amount past due is {$7700.00} **Collection** _ XXXX XXXX XXXX Opened Date XX/XX/XXXX How can there by $ 428 monthly payment in a charge off account. The balance is XXXX $ and past due amount is {$40000.00} in Transunion while the balance is XXXX $ and past due amount is XXXX in XXXX report. Delete it immediately!!! 
Also In accordance of the FCRA [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 
**Collection** XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This charge off account is not mine please delete it as it is not belong to me, you have to provide me full documentation VIOLATION COUNT XXXX [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report **Credit card** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed. 
XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account is not mine. I do not have any financial obligation with them. Please delete it!!!

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