Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX I contacted Experian about incorrect information on my credit report. the addresses below are incorrect as was told to 3 separate agents. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Even my social security number was incorrect. the one that is furnished on my credit report XXXX is incorrect Most of this information including accounts reported by creditors or 3rd party collection agencies is being conveyed without my permission, which is a direct violation of federal law according to 15 USC 1692b, 15 USC 1692c, 15 USC 1681b. Also since my SSN is incorrect as well as addresses. This information should note included on my credit report. this information has affected my ability to obtain certain jobs, places to stay, and transportation. 


Auto loans and leases XXXX  Potentially negative Date Opened XX/XX/XXXX Balance {$11000.00} Status Repossession. {$11000.00} past due as of XX/XX/XXXX. 
Student loans XXXX Potentially negative Date Opened XX/XX/XXXX Balance - Status Transferred, closed. 
XXXX XXXXXXXX XXXX XXXXXXXX In good standing Date Opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
XXXX XXXXXXXX XXXX XXXXXXXX In good standing Date Opened XX/XX/XXXX Balance {$53000.00} Status Open/Never late. 
Collection accounts XXXX XXXX XXXX Potentially negative Date Opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past is due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date Opened XX/XX/XXXX Balance {$2100.00} Status Collection account. {$2100.00} past is due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date Opened XX/XX/XXXX Balance {$8300.00} Status Collection account. {$8300.00} past is due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date Opened XX/XX/XXXX Balance {$5900.00} Status Collection account. {$5900.00} past is due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date Opened XX/XX/XXXX Balance {$450.00} Status Collection account. {$450.00} past is due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date Opened XX/XX/XXXX Balance {$450.00} Status Collection account. {$450.00} past is due as of XX/XX/XXXX. 
Other XXXX XXXX Potentially negative Date Opened XX/XX/XXXX Balance {$280.00} Status The account was charged off. 

As while speaking to one of their agents ( XXXX XXXX ) I was told that a creditor can report anything without my permission or permissible purpose. Which is a knowing and willful violation of the law.

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