Consumer complaint received 2024-06-06 00:00:00
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.
State: TX

Complaint narrative:
Experian REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 MY LEGAL NAME IS XXXX XXXX XXXX XXXX 
INACCURATE ALIASES BEING REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 Which Experian will not remove : Offense # 1- Also known as : XXXX XXXX AR The above name is inaccurate per 1681s-2 I have already reported it several times to EXPERIAN, and they refuse to remove the alias which is not my name and is creating damage to my reputation and to my character and is a reason for the inability to obtain good credit offers and consumer interests are high because I am perhaps sharing a fraudulent name with another person who has worse credit. I need this removed and corrected. 
MY CORRECT ADDRESS IS XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Addresses Experian will not remove and are detrimental since the US post office can incorrectly misdirect my mail : INACCURATE ADDRESSES BEING REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 Which Experian will not remove, and I have disputed and instructed Experian in writing to delete immediately : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX INACCURATE EMPLOYER INFORMATION BEING REPORTED IN VIOLATION OF XXXX681EB, 1681 s-2, 1681 i5 IN VIOLATION OF MY RIGHTS & EXPECTANCY OF PRIVACY I do not know who this EMPLOYER is and it can be identify fraud, I need it removed. EMPLOYER NAMES NOT REMOVED AND NOT RELATED TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INACCURATE ACCOUNTS BEING REPORTED AFTER I REQUESTED DELETION FOR INACCURACIES AND EXPERIAN HAS FAILED TO REMOVE THEM : VIOLATION OF15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe this information is inaccurate The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS Account name : XXXX  XXXX Account # XXXX INACCURATE REPORTING AMOUNTS VEHICLE WAS PURCHASED I HAVE TITLE. LIEN RELEASE LETTERS TOO Account name : # XXXX  Account # XXXX BALANCE IS INACCURATE Account name : # XXXX  Account # XXXX DATE OPENED IS INACCURATE Account name : # XXXX  XXXX  Account # XXXX DATE OPENED IS INACCURATE Account name : XXXX  Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXXNOT MY ACCOUNT Account name : XXXX XXXX XXXX  Account # XXXX {$34000.00} INACCURATE REPORTING AMOUNTS VEHICLE WAS PURCHASED I HAVE TITLE. LIEN RELEASE LETTERS TOO Account name : XXXX XXXX Account # XXXX {$3200.00} NOT MY ACCOUNT THIS INFO WAS REMOVED ON XX/XX/XXXX AND REINSERTED BACK TO THIS REPORT. 
Account name : XXXX XXXX XXXX  Account # XXXXDATES OPENED/ THE BALANCES/ AND ALLEGED PAST DUE DATES ARE ALL INACCURATE Account name : XXXX XXXX Account XXXX XXXX15 U.S. Code 1666b Account name XXXX XXXX XXXX  Account # XXXX15 U.S. Code 1666b 15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

INACCURATE INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE REPORTED 15USE1681b permissible purpose : Furthermore INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX Below are the names of people and/or organizations who have obtained a copy of your Credit Report. Inquiries such as these can remain on your credit file for up to XXXX years. 
Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX Auto Dealers , New XX/XX/XXXX Experian XXXX XXXX XXXX Appliance Sales and Service XX/XX/XXXX Experian XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Sales Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX  XXXX  Appliance Sales and Service XX/XX/XXXX Experian INACCURATE INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE REPORTED 15USE1681b permissible purpose : Experian AND THE ABOVE CREDITORS I believe has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian credit report on June6 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe this information is inaccurate I WANT THIS DELETED IMMEDIATELY I want CFPB to require that consumer reporting agent EXPERIAN pay MONETARY DAMAGES of {$1000.00} per each violation they caused to me and to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

The poor reporting and malicious negligence of EXPERIAN has caused damage to my Livelihood, damage to my way of life and has been detrimental when applying for consumer products and the other party sees me poorly when evaluating the credit worthiness, credit standing, credit capacity, has caused damage to my character, and damaged my general reputation and is a disrespect for this consumers right to privacy. I have been communicating with EXPERIAN for over 2 years and nothing has been done to correct these Federal Violations by EXPERIAN.

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