Consumer complaint received 2024-06-21 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: MI

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these in accurate accounts and forms of information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed as it does not correctly identify all represent me the consumer, the names, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be removed from my consumer report as it does not accurately represent me Addresses. Only the address XXXX XXXX XXXX, XXXX Michigan. Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of The following addresses. XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXXMust be removed effective immediately, because they are non-mail able addresses, and I can not be contacted nor reached at any of these addresses. Attempting to contact me at these address will be considered mail fraud. 
XXXX XXXX XXXXXXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right 15 USC 6802.

Late payments. Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated i

mmediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report.

15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legal it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report ( ) does not include ( A ) subject to section 1681s3 of this title ( ), any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( 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. 
The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer race. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX : Account number XXXX. XXXX XXXX Account number XXXX. XXXX : Account number XXXX. XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX. XXXXXXXX XXXX XXXX Account number XXXX. NAVIENT : Account number XXXX. The previously listed accounts must be updated and addressed immediately. They are reporting payments onto my consumer report which is against the law and a violation of my rights. 

Accounts to be deleted. XXXX XXXX Account number XXXX. This account is reporting to my consumer report and accurately.No balance reported on this account it is reporting inaccurately must be removed. XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX Account number XXXX. This account has been updated as recently as XX/XX/XXXX. This account is out of date and reporting in accurately it must be removed from my cons report. XXXX XXXX XXXX Account number XXXX This account is reporting in accurately it has been updated only as region recently as XX/XX/XXXX. It is XXXX. This account is reported in accuratelyand must be removed. XXXX XXXX XXXX Account number XXXX. This account is reporting without any active balance. This account has been paid and closed. It is reporting as paid and closed yet it is still on my consumer report. This account is reported in accurately there is no balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. XXXX XXXXXXXX XXXX Account number XXXX. This account is reporting Collection account. {$550.00} past due as of XXXX XXXX but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : Account number XXXX Status updated XX/XX/XXXX This account is reporting Collection account. {$670.00} past due as of XXXX XXXX it is illegal for a collection account to report a past due amount. This account is reported in accurately and illegally. It must be removed from our credit report. TXXXX XXXX XXXXOriginal creditor : XXXXXXXX XXXX XXXX Account number XXXX. This account is report. '' XXXX account. {$1400.00} past due as of XX/XX/XXXX. '' Status updated XX/XX/XXXX. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely. 

Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX XXXX  Inquiry date 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX the previous XXXX inquiries must be removed from my consumer report effective immediately. 

Student loans. 16 CFR 313.7 opt out notice Per 5 USC 552a, 20 usc 1232 g and 34 CFR 99 XXXX XXXX 5 USC 552a 20 usc 1232 g 34 CFR 99 I want the remarks on the these account removed from my consumer report. Accounts DEPT OF 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 non-monetary relief