Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently ran an audit of my credit report and found so many inaccuracies and conflicting accounts that that were being reported that I grew gravely concerned. I have made a list of all the inaccurate accounts I would like to either have updated, suppressed or removed completely. 
I have taken the time to curate the accounts from all 3-bureaus into an XXXX spreadsheet along with any commentary and/or the disposition or performative action I would like to see taken. Additionally, I opted out of all 2nd and 3rd party bureaus like XXXX XXXX, XXXX XXXX, etc. so the CRAs should not have been able to validate any of my accounts but sent letters and communiques that they successfully validated the debts and the accounts would not be update nor removed from my profiles. 
Please review all of my documents and remove the accounts that are listed so I can fix my financial issues. Here is a list of issues and harm I have faced due to the intransigence and obstinance by the 3-credit bureaus.

Professionally Prior to being d
ownsized, I established 3 LLCs that were merged into a Holding company in order to lay the foundation for purchasing a XXXX and use my personal credit as a Personal Guarantor to get the funding necessary to expand my business and purchase new assets. 
The better credit score would allow me to get a HELOC or a loan to purchase the XXXX XXXX 
Financially Unable to apply for a HELOC due to low score and do home repairs that have been pending for XXXX I was downsized in XXXX  due to COVID hardship by my former company and was out of work for XXXX. 
At the 24 % tax bracket, the measly {$350.00} a week in unemployment benefits that only lasted XXXX  weeks was not enough to pay my mortgage and normal bills after expiring My home was under the foreclosure process and I had to wait until I was gainfully employed making $ XXXX less than I used to make with my previous salary range All my bills and creditors were XXXX days late but I worked to negotiate with the creditors but some of them charged off accounts due to the lower payments I could afford ; even though I explained it was COVID related but to no avail. 
With a HELOC, I can make a difference and catch up on my debts as well as use some of that money to invest in a business. 
Educationally : I was denied financial aid for the fall and ongoing sessions at XXXX XXXX XXXX XXXX XXXX in a XXXX  XXXX XXXX Studies and Dispute Resolution and documentation is attached. 
I am not ready to pay off student loans since I am not making enough money to afford the $ XXXX monthly payments I have also take a leave of absence and currently owe $ XXXX for the summer session that needs to be paid before I can re-enroll but can not afford it yet. 
I also can not get a debt consolidation loan due to the poor credit score in order to get myself stabilized. 
Medically/Environmentally As a XXXX XXXX with additional XXXX  issues and a compromised XXXX XXXX, I am living with black mold in the house and have not been able to remediate the issue since discovery of it 3 years ago. 
Covid added an additional layer of harm after getting infected XXXX and not able to work. 
The air quality in the house is getting worse but I can not open windows for fresh air since new contaminants will come into the home along with the compromised air already in the home come from the vents. 
I am seeking your help to remove all charged off accounts as well as either remove all late payments that were Covid related and/or suppress the entire account with any derogatory information like XXXX, XXXX XXXX, XXXX, XXXX, etc. All the accounts in question had creditors that were informed that I was a victim of the XXXX  XXXX ( XXXX ) and the creditors provided pandemic level that were rescinded. 
Please help as you can and I apologize for the length explanation but it was necessary in order to address the depth and dearth of what I am facing.

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