Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I continue to see various violations on my reports from XXXX experian and XXXX each have very different information and unfair low scores with experian and XXXX XXXX can not comment on my XXXX  scores because XXXX XXXX dose not offer my score unless I pay them a membership fee monthIy went through XXXX and can request via mail when i got the XXXX report the score was not on it just a statement that reads your score NOT PURCHASED ( see attached ).. I was denied a XXXX account and received a letter from XXXX XXXX  see attached stated my score was XXXX and other negative remarks, all the low scores with each XXXX XXXX and experian have caused me to get denied funding for a car and denied a loan and get denied for safe place to live, I am charged higher interest rates and asked to pay triple deposits when looking for housing XXXX and XXXX has some of my POSITIVE ACCOUNTS THAT SHOULD ALSO BE AVAILABLE ON EXPERIAN XXXX have made MANY ATTEMPS TO MAKE THE GOOD ACCOUNTS POSTED ON EACH REPORT FAIRLY, I WAS TOLD TO CONTACT THE CREDITOR WHICH I DID THEY ASSURED ME THEY HAVE REPORTED MY GOOD ACCOUNTS CLEARLY AS IT HAS BEEN UPDATED ON SOME REPORTS BUT NOT OTHERS, NO MATTER HOW MANY TIMES I HAVE CALLED ( phone records and conversations given by request.. ) HOW MUCH certified Mail I HAVE SENT ( PLEASE SEE BELOW ) OR COMPLAINTS filed I STILL HAVE NOT SEEN ANY OF MY GOOD REPORTS POSTED ON EXPERIAN AND ONLY XXXX OF THE XXXX GOOD ACCOUNTS ARE ON XXXX XXXX.I have paid for experian membership and canceled I have paid services to help me fight these violations I have sent certified mail to each XXXX experian XXXX XXXX XXXXXXXX XXXX XXXX  multiple companies etc. I WORKED WITH MY LOCAL POLICE because I am a victim of identity fraud I have sent all Identification and social security card along with all proof required and asked many times please see certified mail receipts information BELOW .. XXXXXXXX XXXX XXXX XXXX XXXXXXXX AND A FEW OTHER THRID PARTIES COLLECTORS THAT XXXX XXXX AND EXPERIAN HAS ILLEGALLY SOLD OR AND GIVEN ACCSESS TO REPORT NEGATIVE ACCOUNTS ON MY REPORT WITHOUT ME KNOWING OR CONSENTING. ALSO i SENT PROOF THESE COMPAINES ARE LISTED ON THE NMLS.. BUT NOT LEGAL TO COLLECT DEBT IN FLORIDA, fLORIDA IS NOT LISTED AS A STATE THEY ARE ALLOWED TO COLLECT DEBT IN. I SENT PROOF, I get harassing calls continue to get mail WITH MORE THREATS even after I have frozen my accounts and have several RECORED proof off opt out request VERIFIED not to contact me about these debts or sale or give my information or call or send me any mail or advertisement etc, today XX/XX/year> I checked my mail and guest what I find please see attached, another collection letter from a another company part of XXXX XXXX XXXX FOR THE same account that was removed in my favor from my report with proof Via the complaint I filed with the CFPB experian & XXXX removed it noT XXXX  the letter is from XXXX XXXX XXXX ( WHICH IS A MORTAGE COMPANY IN FLORIDA ) ( NOT A COLLECTION COMPANY ) pROOF ON THE XXXX  and not legally allowed to collect a debt in Florida... whom states clearly they were given my information by XXXX XXXX XXXX after PLEASE SEE ATTACHED XXXX XXXX XXXX AND XXXX XXXX XXXX PART OF XXXX XXXX XXXX AGREED IN WRITING TO DELET THIS ACCOUNT FROM MY REPORT. THE ACCOUNT IS NUMBER XXXX AMOUNT XXXX it's gets better so there is another fraudulent account on my report same case HAS BEEN REINVESTAGATED A COUPLE TIMES same police report number but this is for a car loan not mine either, this account XXXX XXXX  given to XXXX XXXX XXXX again not legal to collect debt in Florida is still posting on my account closed account number XXXX balance XXXX so THESE XXXX ACCOUNTS HAS BEEN REINVESTIGATED I REQUESTED PROOF OF THE FULL FILE via experian XXXX and XXXX AND HOW THE ACCOUNT S WERE INVESTIGATED I GOT XXXX I ALSO REQUESTED THE 1099 FROM XXXX XXXX  MANY TIMES FOR THE CAR LOAN I GOT XXXX AGAIN THESE ARE XXXX IDENTITY THEFT ACCOUNTS THAT WERE PROVEN AS FACTUAL I FEEL LIKE I AM BEING TARGETED AND THIS SITUATION IS CONTINUING TO MAKE MY LIFE VERY DIFFICULT I HAVE/AM HAVE FINANCIAL HARDSHIP AND UNFAIR TREATMENT due to VIOLATIONS by experian XXXX and XXXX and the other companies listed, ALSO the customer service when calling experian XXXX and XXXX is very difficult and little help is given if any and the 30 day window has long past sence my first attempt to have this removed I try to use the online services and alot of time the links do not work, I have spent hours and hours months and years fighting these negative issues trying to educate myself and protect myself I have spent money and continue to get denied funding for cars loans rental property and employment ,15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail trackingXXXX XXXXXXXX this description will not affect how the CFPB handles your complaint. 
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. And various other reporting laws meant to protect me are not being followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAME ACCOUNT MULTIPLE COMPANY NAMES POSING AS DIFFERENT COMPANIES FOR ACCOUNTS REFERENCE orginal act holder XXXX XXXX  # XXXX auto loan discharge closed account amount last reported which changed many times XXXX Orginal account holder XXXX XXXX  XXXX amount XXXX EXPERIAN 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