Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Back in XXXX I lost my personal information at a hotel when I was visiting, which I thought I may have misplaced and/or left at home. Now in 2022 I've noticed a lot of Hard inquires, Negative and positive accounts reporting to my credit report which has never been authorized by me. Im just now starting to learn about credit so I can buy assets to pass them down to generations. I informed all the credit bureaus and they did absolutely nothing to help me because they didn't even do a proper investigation. The credit reporting agency 's verified account by my name, dob and address and reading and understanding the " FCRA '' that is not an proper investigation and no witnesses, neighbors, friends, family, etc. were apart of that investigation. I'm currently on medication because the amount of stress I've been under because of the credit Bureaus who are not willing to do their job as promised. I'm tired and Im at the point i'm hiring legal counsel to bring a suit against XXXX, XXXX and experian. Especially considering XXXX had a data breach and they are not doing anything in their power to help me settle this matter in peace. I feel like i'm being discriminated because of my XXXX. Im currently XXXX with my kids and if I this matter don't get solved within 30 days i'm going to seek legal counsel and hold all parties accountable. Listed below is the accounts unauthorized : XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXXXXXXXX**** Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$400.00} {$400.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$25000.00} {$25000.00} No. of Months ( terms ) : 72 0 High Credit : {$25000.00} {$25000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$1500.00} {$1500.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Experian XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$190.00} {$190.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$4400.00} {$4400.00} No. of Months ( terms ) : 36 36 High Credit : {$4900.00} {$4900.00} Credit Limit : {$0.00} {$0.00} Past Due : {$450.00} {$450.00} Payment Status : Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Closed Closed Open Monthly Payment : {$51.00} {$51.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$660.00} {$660.00} {$610.00} No. of Months ( terms ) : 0 0 0 High Credit : {$660.00} {$660.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$160.00} {$160.00} {$110.00} Payment Status : Late 90 Days Late 90 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$890.00} {$890.00} {$930.00} No. of Months ( terms ) : 120 120 0 High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$21.00} {$21.00} {$21.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} {$1000.00} No. of Months ( terms ) : 0 0 0 High Credit : {$1400.00} {$1400.00} {$0.00} Credit Limit : {$1000.00} {$1000.00} {$1000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan Secured loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 12 12 12 High Credit : {$530.00} {$530.00} {$530.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Secured Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 0 0 0 High Credit : {$120.00} {$160.00} {$450.00} Credit Limit : {$450.00} {$450.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account closed by consumer Credit line closed - consumer request - reported by subscriber. 
Account closed at consumer 's request Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief