Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: TX
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 might be concern, My name is " XXXX XXXX XXXX '', I have been filling my complaint to request investigation on inaccurate items on my credit account over past year but none of my afford was well-response and fulfill my demand. 
**Name** _ XXXX XXXX XXXX **Address** _ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ** Employment info** _ XXXX XXXX XXXX XXXX All of the name, address and employment info that I list above are these incorrect items on credit account that need to be removed. None of these information has belong to me or my business and I also never intend to fill them in as correct information. 
**As you also aware of section [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' and [ 15 U.S.C. 1681c-1 ] ( a ) '' I Have accounts on my report that do not belong to me and my identity may be compromised. " **auto loans** _XXXX XXXX Reported XXXX XXXX XXXX, XXXX I don't XXXX XXXX any money and never receipt any credit from this company. This charge off account isn't mine. Delete it or provide me full documentation about this loan. 
**Hard inquiries** XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX This charge off account is not mine, please delete it!!! 
XXXX Inquiry : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro2 reporting compliance " by not reporting their contact information. DELETE IMMEDIATELY!!! 

_XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A XXXX Inquiry :  XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro2 reporting compliance " by not reporting their contact information. DELETE IMMEDIATELY!!! 
_XXXX XXXX XXXX : XXXX XXXX, XXXX This charge off account is not mine, please delete it. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipt any loans or credit with this company. We even never contacted before. Delete it or provide me full documentation in regulation time frame. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX THIS ISN'T MINE, PLEASE DELETE IT!!! 
XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX THIS ACCOUNT IS NOT MINE, PLEASE DELETE IT!!! 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A. As you may aware of Metro 2 Compliance Violation ( Incorrect or inconsistent Account Number ). 
XXXX XXXX Inquiry : XXXX XXXX, XXXX THIS ISN'T MINE, PLEASE DELETE IT!!! 
XXXX XXXX Inquiry : XXXX XXXX, XXXX this account is not mine, please delete it. 
_XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION ** Collection ** _ XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any disclosure in writing mailed about this collection. This account report is listed on my credit without any early warning when the customer suppose to receive it not later than three days after the date on which the report was first requested. Violation of the FCRA [ 15 U.S.C. 1681d ] ( a ) Disclosure of investigative consumer. The credit bureau have to provide me full documentation about this collection as I have validated all debts from these creditors and filed complaints on all parties to XXXX, XXXX, Experian and every creditor reporting the above items ) and have not received any proof that items belong to me. In addition, I also need proofs of writing mailed or any disclosure that were sent to me otherwise this collection have to be removed.

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