Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: NY
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 whom might be concerned, My name is " XXXX XXXX ". I have been trying to report about inaccurate items over a year. However, my demand is not fulfilled and there are still incorrect account exist my credit report. Please reinvestigate all those items that I list below as they are not belong to me and appear illegally in my account. 
**NAMES REPORTED** _XXXX XXXX _XXXX  XXXX _XXXX XXXX-XXXX  _XXXX  XXXX  All of those name is incorrect so please delete it. My only real name is " XXXX XXXX. '' I have enclosed my social security card, proofs of address and tax return. 
**Auto loans** _XXXX XXXX XXXX Reported : XX/XX/XXXX I never owned any loans or credit from XXXX  XXXX XXXX. Please delete it or provide me full documentation. 
**Credit card** _XXXX XXXX/XXXX  Reported : XX/XX/XXXX This charge off account is not mine. You can either provide me full information about this account or delete it immediately. 
_XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any credit or loans from this company. 
_XXXX/XXXX  XXXX Reported : XX/XX/XXXX This charge off account is not mine, please delete it!!! 
***Other loans*** _XXXX XXXX Reported : XX/XX/XXXX _XXXX XXXX Reported : XX/XX/XXXX _XXXX XXXX Reported : XX/XX/XXXX These are derogatory accounts. Someone intensionally put them there to intervene me from obtaining credit. These accounts don't connection with me and our business. Please delete it!!! 
_XXXX/DEPT OF ED Reported : XX/XX/XXXX This account is unauthorized, the data furnisher has violated Metro 2 Compliance Violation by not updating the remarks on the account which is a violation of the F.C.R.A. 
_XXXX XXXX XXXX Reported : XX/XX/XXXX This account is also unauthorized, the data furnisher has violated Metro 2 Compliance Violation by not updating the remarks on the account which is a violation of the F.C.R.A. 
_U S DEPARTMENT OF ED Reported : XX/XX/XXXX _XXXX XXXX Reported : XX/XX/XXXX _XXXX XXXX Reported : XX/XX/XXXX _US DEPARTMENT OF ED Reported : XX/XX/XXXX _U S DEPARTMENT OF ED Reported : XX/XX/XXXX _U S DEPARTMENT OF ED Reported : XX/XX/XXXX _US DEPARTMENT OF ED Reported : XX/XX/XXXX _U S DEPARTMENT OF ED Reported : XX/XX/XXXX _U S DEPARTMENT OF ED Reported : XX/XX/XXXX All of the account above are inaccurate. I never receipt any loans or credit from these company. In addition to it, I haven't received any disclosure or writing mail about these account. Someone intended to put them in my credit report for their personal interests. Please delete them as they're intervening me from improving my credit. 
*Hard inquiry* _XXXX XXXX Inquiry : XX/XX/XXXX This inquiry is unauthorized and date furnisher has violate Metro 2 Reporting Compliance by not reporting dispute status. 
_US DEPARTMENT OF EDU Inquiry : XX/XX/XXXX _US DEPARTMENT OF EDU Inquiry : XX/XX/XXXX These two inquiries are incorrect, as I have reported above. I never receipted any credit or loans from this organization. 
_XXXX  XXXX/XXXX  Inquiry : XX/XX/XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, I never receipt any loans or credit from this company. I request the credit bureaus not to exploit there rights to add negative information to my credit report. 
**Collection*** _XXXX XXXX Reported : XX/XX/XXXX Provide me full information about this account or 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