Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have so far filed 2 FTC reports and I have filed CFPB reports, through this site, in order to officially attempt to correct several fraudulent or inaccurate details listed on my credit report that does not pertain to me. There are several articles of personal information still being reported that are completely inaccurate and fraudulent. These include names, " XXXX XXXX XXXX '', " XXXX, XXXX, XXXX '', MY NAME IS, and only is, for official record : XXXX XXXX. Any deviation from this is active attempt to fraudulently add personal information details that do not belong on my consumer reports. There are several inaccurate personal addresses being listed. By all three bureaus as well, so I will state, for official record, my personal address is, and only is : XXXX XXXX XXXX, THE CITY OF XXXX, IN THE STATE OF FLORIDA. THE ZIP CODE IS XXXX. Any other personal addresses being listed ARE NOT MINE, and are an attempt to insert inaccurate personal details about me. I want the inaccurate personal information REMOVED. IMMEDIATELY. Thank You. 
Also, along with the reporting of inaccurate personal details, investigations were done on my behalf by Experian and XXXX regarding several of the accounts that currently appear on my reports, accounts that I do not recognize. This action was initiated in my reports that were filed back in XXXX. The most current consumer reports reflect the fact that Experian and XXXX clearly found the majority of these accounts lacking because in most cases BOTH reporting agencies have removed the incorrect accounts that were listed. However, XXXX is refusing to comply with the standard set by its peers, and nothing in its report has changed in the slightest. This flagrant violation of ethics and code, is causing a disruption with my credit, and for discrepancies to arise left and right on my report. XXXX has had the same amount of time and resource that its sister companies have. So now, either they are refusing to do any work towards my report at all, or they are deliberately running some sort of interference. Either way, it is unjustified and the information on the XXXX report needs to reflect the information presented by the other two companies. IMMEDIATELY. Otherwise, XXXX is deliberately disregarding the FCRA guidelines and protocols, and furthermore, actively perpetuating fraudulent information in the body of my consumer reports. Please get this massive credit reporting scandal situated. IMMEDIATELY. I will be pursuing legal action regardless, at this point it is less about about the question of a reporting bureaus ' validity and more a question of who will be held responsible when an independent reporting agency is crumbled by the fact that they could not conduct themselves with integrity and began to blatantly report false information about people in their reports. who holds reporting agencies accountable? because as independent contractors, they are at the governments behest, but they are sovereign singularities within that realm too. they are only governed by treasury to such an extent. but the FTC and the CFPB are supposed to be our line of defense against attacks against our person such as these. that particular follow though remains yet to be fully realized. there should be no justifiable reason why I am here, yet again, to dispute something like a mans name being included with my own in my reports. Please clean this up, immediately. I am including copies of prior reports wherein I was, with not much mortal authority, attempting to resolve the miscellanea of information on the stairs Your time and efforts will be met with abundant gratitude. 
Until next time. 

Respectfully signed, 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 non-monetary relief