Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I recently checked my credit reports with XXXX, Experian, and XXXX and found erroneous and inaccurate information on my credit reports after previously informing these companies of these issues. I believe my information has been involved in one or more of the recent data breaches. 
There are multiple names on my credit reports and I have only one. XXXX XXXX is the only spelling of my name that should be included on these reports, all other spelling are inaccurate. There should only be one address on my credit reports, which is XXXX XXXX XXXX XXXX XXXX, Texas [ XXXX ] ; all other addresses are erroneous. There is an account on my XXXX and Experian reports as XXXX XXXX XXXX XXXX XXXX. XXXX has the date of last activity as XX/XX/XXXX and Experian has the date of last activity as XX/XX/XXXX. This account is inaccurate and must be deleted immediately. There is an account on XXXX as XXXX XXXX XXXX XXXX XXXX # XXXX showing date of last activity as XX/XX/XXXX and Experian as XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing date of last activity as XX/XX/XXXX, and XXXX as XXXXXXXX XXXX XXXX XXXX XXXX # XXXX showing date of last activity as XX/XX/XXXX, this account is inaccurate and must be deleted immediately. There is an account listed on XXXX and XXXX as XXXX XXXX XXXX ( Original Creditor : XXXX  ). This account is listed as an open Collection Account, which is erroneous. This account is erroneous and must be deleted immediately. I have no knowledge of this account or this company and demand that the alleged debt be validated, I am also requesting this company and its affiliates cease and desist any and all communication with me through any and all mediums; including my credit report. There is an account listed on XXXX as XXXX XXXX XXXX # XXXX, which is listed as a charge-off /collection with an account status of Indeterminate, The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. Delete this account immediately. There is an account on XXXX listed as XXXX XXXX XXXX XXXX  XXXX # XXXX with an open date of XX/XX/XXXX, this is not my account. Delete this account immediately. There is another account on XXXX listed as XXXX XXXXXXXX XXXX XXXX XXXX # XXXX with an open date of XX/XX/XXXX, this is not my account. Delete this account immediately. There is an account listed on XXXX as XXXX XXXX XXXXXXXX # XXXX, which is listed as a charge-off account. This is also not my account Delete this account immediately. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. There is an account listed on Experian as XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, remove the investigation and dispute comments. There is an account listed on XXXX as XXXX XXXX XXXXXXXX XXXX XXXX remove the dispute comments. There is an account listed on XXXX aXXXX XXXX XXXX XXXX XXXX with XXXX # XXXX and Experian XXXXXXXX XXXX XXXX remove the investigation and dispute comments. There is an account listed on XXXX as XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX with an open date of XX/XX/XXXX, this is not my account. Delete this account immediately. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, written, unwritten, verbal, or nonverbal per 15 U.S. Code 6802.