Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: GA
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 listed accounts FTC violations : Last Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$590.00} High Balance {$590.00} Remarks Consumer disputes this account information Collection account Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 15 Months Monthly Payment {$0.00} Responsibility Individual Account. 
Balance {$1900.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$2000.00} Times 30/60/90 Days Late 1/1/4 Remarks Charged off acco DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$17000.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/13 Remarks 120 Days past due XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XXXX  XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment -- DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$10000.00} Payment Status 120-149 Days Lat XX/XX/XXXX Creditor Name DEPT OF EDXXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$3300.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/13 Remarks 120 Days past due Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 77 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance {$34000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 11/0/0 Remarks Fixed rate XX/XX/XXXX Creditor Name XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$49.00} Responsibility Individual Account. 
Balance {$4500.00} Highest Balance {$2700.00} XX/XX/XXXX Creditor Name XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$65.00} Responsibility Individual Account. 
Balance {$6000.00} Highest Balance {$2500.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment -- Amount Past Due {$260.00} Times 30/60/90 Days Late 0/0/16 Remarks Fixed rate Account Details Last Reported May 31, 2020 Creditor Name XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$50.00} Responsibility Individual Account. 
Balance {$4600.00} Highest Balance {$2700.00} Payment Status 90-119 Days Late Worst Payment Status XX/XX/XXXX Creditor Name XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit XX/XX/XXXX Creditor Name XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$100.00} Responsibility Individual Account. 
Balance {$9300.00} Highest Balance {$5500.00} Payment Status 90-119 Days Late Worst Payment Status -- XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$18.00} Responsibility Individual Account. 
Balance {$1700.00} Highest Balance {$750.00} Payment Status 90-119 Days Late Worst Payment Status Creditor Name XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$4.00} Responsibility Individual Account. 
Balance {$410.00} Highest Balance {$250.00} Payment Status 90-119 Days Late Worst Payment Status XXXX  Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment {$42.00} Responsibility Individual Account. 
Balance {$3800.00} Highest Balance {$1700.00} Payment Status 90-119 Days Late Worst Payment Status Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment {$820.00} Responsibility Individual Account. 
Balance {$37000.00} Highest Balance {$36000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks Affected by natural disaster US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$12000.00} Highest Balance {$10000.00} US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$21000.00} Highest Balance {$17000.00} Payment Status Collection/Charge-Off Worst Payment Status US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$4200.00} Highest Balance {$3300.00} Payment Status Collection/Charge-Off Worst Payment Status all XXXX  and XXXX XXXX   ftc proven violations

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