Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
Good Morning CFPB, I need your assistance with getting the accounts removed off of my TransUnion, Experian, and Equifax credit reports. The following accounts need to be removed from my TransUnion, Equifax, and Experian credit reports as they violate the standards set forth by the consumer Finance Protection Bureau and the Federal Trade Commission, as well the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXXXXXX Account is not reporting correctly. I have issues that I have had to address with this company. The vehicle was not in good condition when I purchased it. XXXX XXXX still has to pay for damages to the vehicle. I will contact the XXXX XXXX XXXX XXXX again in response. We have not settled the case. I believe there may be fraud on both ends but I will need an attorney to help me figure this out. 
However, the account must be removed. I am not going to accept responsibility for it. The Fair Credit Reporting Act states that it can't be reporting as an open account and a charge off at the same time. 
XXXX. XXXX XXXX XXXX - Account is not mine period. I never signed any documents to establish a relationship or account with this company. I need an attorney because they violated, this company did not have a court ordered judgement to repossess my vehicle. They also never obtained consent or had me sign documents to establish an account with them. Please remove account. 
XXXX. XXXX XXXX I didn't receive merchandise this account. I had asked the representative if I could get an email address so I could conversate back and forth with them. I filed a police report with XXXX XXXX Police Department. 
XXXX XXXX XXXX I did not have an account with XXXX XXXX I had fraud issues going on with XXXX bank. I also had my vehicle fraudulently repossessed. I never received any funds for these incidents with the vehicle. I need an attorney to help with this account. I had used a consumer law attorney. They stole my vehicle which makes them guilty of grand theft auto according to UCC S 9-609. 
XXXX. XXXX This is an education loan however it is fraudulent. I am currently reaching out to this organization and letting them know that I did not attend this school. The account is not mine and needs to be removed. 
XXXX XXXX XXXX XXXX XXXX believe that the account might be from a previous owner XXXX  XXXX. However, I do not owe any money to this company. Needs to be removed. 
I also requested that these accounts be blocked pursuant to section 605B of the Fair Credit Reporting Act.

I am also using 15 USC 1681b to remove any inquiries that were not authorized by me from my TransUnion, Experian, and Equifax credit reports. The accounts being reported on my credit report are not my responsibility. It is creating hardship in my life. I need to get me a home for myself and my family. I need these accounts removed in 15 days or less or I will be forced to use 15 USC 1681n which deals with Credit bureaus being willfully non compliant for up to 1000 dollars for each violation. I can use 15 USC 1681o- Negligent non compliance under this section there is no limit for what you can sue for. Please have TransUnion remove these accounts and raise my credit score. 
The following inquiries need to be removed global lending service XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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