Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : Experian, XXXX XX/XX/XXXX This letter is sent in response to your Dispute results.Im not satisfied with these findings and have spent SEVERAL hours researching validity.I recently learned that I was part of XXXX major Data Leaks, XXXX, XXXX and XXXX XXXX and several email and account breaches. I also am a victim of identity theft in XXXX. 

I filed a police complaint, reported the information to all XXXX bureaus, and was able to dispute and have the fraudulent accounts removed so my identity theft is documented Another issue is that For YEARS it has been reported that I was delinquent in XXXX student loans although I only had XXXX Yet XXXX The Dept of Edu and XXXX XXXX were all reporting negatively. It is so unfair to me and has affected my credit worthiness. 


For all the reasons just listed, I ask that you provide me with information with the accounts listed below from the original creditors. 



XXXX XXXX XXXX XXXX How could XXXX be in good standing but XXXX reported 30 days behind, Its not mathematically possible. Mathematically a payment couldn't be 30 days behind till XXXX. Same applies to XXXX reporting 30 day behind with XXXX in good standing. XXXX inaccurate reporting makes the complete payment history incorrect afterwards because the math started wrong. 
This is in plain sight mathematically IMPOSSIBLE yet reported for years affecting my ability for Fair Credit. 


U S DEPT OF EDXXXX that starts with XXXX These student loans have been all over the place! This loan was paid in full by being offset so had a XXXX balance from as of XX/XX/XXXX yet it was reported over a WHOLE year as in collections when It was completely paid off. I had {$0.00} in student loan debt never reported as paid in full, just bogus collection accounts affecting my ability for Fair Credit. Im attaching proof. Not to mention the quadruple collection accounts at a time which is so wrong. 
XXXX XXXX XXXX that starts with XXXX I've disputed this over and over and over. I was an employee of XXXX had an employee discount on this card yet never shopped! That balance is completely incorrect and I had a {$500.00} limit so this is not only incorrect but impossible. 


XXXX XXXX that starts with XXXX How could this account show a 3 month history with XXXX and XXXX in good standing but 30 days late by XXXX?? That doesn't even make sense because a payment couldn't be 30 late till XXXX if I made a payment in XXXX Not only does math make it impossible, who sends someone to collections for XXXX ( inaccurate ) 30 day payment on a {$2600.00} loan?? Even the Loan amount is odd. Clearly inaccurate, and mathematically impossible. There are also credit inquiries from this company XX/XX/XXXX, XXXX and XX/XX/XXXX and which certainly was not authorized. Remove XXXX XXXX XXXX I was part of the XXXX XXXX Data breach and need proof from the Original Creditor of original applications, payment history and charges and dates. I've disputed several times. I no way agree nor am satisfied, especially sine i was already a victim of identity theft. This account remains totally wrong. I need proof of the original account and info.XXXX  XXXX XXXX XXXX I was a Victim of the XXXX XXXX data breach and need proof from them, the original creditor in detail. This is inaccurate. 

Also, I ve never lived in XXXX, Never Lived on XXXX XXXX XXXX XXXX and don't have an alias. The only name that should be on my Report is XXXX XXXX. Those are more errors This process has been exhausting and all this misreporting of my credit has made things difficult when it comes to Fair Credit. It's not fair to me whatsoever and for some reason these accounts still come back from you guys like the are verified but there is no way that is possible. 
My rights are being Violated under the Fair Credit act I just want to go on with my life! 

Your help in this matter would be greatly appreciated, Sincerely, 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