Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cant get approved for any loans, apartments, or anything else because Experian is reporting inaccurate and incomplete information.For XXXX XXXX XXXX XXXX account they are reporting it was opened in XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX XXXX can not determine anything when they dont even have certain data available.They are saying I received a loan but have no data for how long the loan term was allegedly for or how much the payment for the alleged loan was.The balance is also incorrect since XXXX XXXX XXXX never loaned me anything.For another XXXX XXXX XXXX account they are reporting that i was 30 days late for 3 months in a row XX/XX/XXXX to XX/XX/XXXX. I cant be 30 days late in XXXX if I was already allegedly 30 days late by XXXX they are reporting I was 60 days late in XX/XX/XXXX. I cant be 60 days late in XX/XX/XXXX if I was already allegedly 30 days late 90 days before in XXXX XXXX they have no payment history available since XX/XX/XXXX but have the account status as past due as of XX/XX/XXXX. They cant determine anything when they dont even have all the data available.For a XXXX XXXX XXXX account they are reporting an inaccurate balance. they cant say what the balance is when they have no payment data available since XXXX. The account status and balance hasnt been updated in 2 years since XXXX. This account is incomplete and has no updated history. For a XXXX credit account they are reporting inaccurate and incomplete balances. It says amount written off is {$25000.00}, amount past due is {$27000.00}, and the original balance is XXXX. Those are XXXX different amounts.They are saying I received an auto loan but have no data available for the monthly payments, they cant even tell me how much my month payment was for this alleged loan .They are also saying I received an auto loan which is wrong .They are reporting an XXXX XXXXXXXX collections account that is not mines. I have no contract with my name and XXXX XXXX. I have never received anything from XXXXXXXX XXXX and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX. I never gave XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. They are reporting a XXXX XXXX XXXX collections account that is not mines. I have no contract with my name and XXXX XXXX XXXX. I have never received anything from XXXX XXXX XXXX and I dont owe them anything. I have no documentation bearing my signature between me and XXXX XXXX XXXX. I never gave XXXX XXXX XXXX my consent to even furnish my private nonpublic financial information.obtaining my information under false pretenses is aggravated identity theft. You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.

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