Consumer complaint received 2024-10-17 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: OH

Complaint narrative:
On my Experian bureau an inaccurate address is reporting under my personal information. XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX is reporting inaccurate information on my XXXX. They have reported a late payment on XX/XX/XXXX. We have never been late on this account. XXXX is reporting inaccurate information on my XXXX. They have reported a balance of {$20000.00}. The terms on this account was 39 months. This was a leased vehicle that has been returned back to XXXX. The contract is over. We no longer have the vehicle. It is being reported that we are currently more than two payments past due. It shows we were late XX/XX/XXXX. We were never late on this account. 
XXXX XXXX is reporting a balance of {$9800.00} on my XXXX. XXXX XXXX has reported this debt as a charge off every month for four years and has never sent me a 1099-c for the debt they reported as a loss. 
XXXX reported one late payment XX/XX/XXXX on my XXXX. I was never late on this account. They have charged off this debt as a loss and never sent me a 1099-c. XXXX reported me paying XXXXhe account not being late from XXXX and then the account was reported as being charged off XX/XX/XXXX. This account was not reported accurately. 
XXXX XXXX  is reporting a balance of {$10000.00} on my XXXX. XXXX XXXX  reported a charge off XX/XX/XXXX. Then it was reported XX/XX/XXXX that the account was 120 days late. XXXX XXXX  never sent me a 1099-c for the debt they reported as a loss. 
XXXX XXXX XXXX reported to my XXXX a late payment XX/XX/XXXX. I was never late on this account and I paid the account off early. 
XXXX XXXX XXXX is reporting a balance of {$15000.00} on my XXXX. They are reporting this account every month as a charged off debt for the past three years and never sent me a 1099-c for the debt they reported as a loss. 
XXXX XXXX is reporting a balance of {$300.00} on my XXXX. They have been reporting this account every month as a charge off for the past four years. I have never received a 1099-c for the debt they reported as a loss. 
XXXX XXXX reported a late payment XX/XX/XXXX on my XXXX. I was never late on this account. 
Dept Of Ed is reporting a balance of {$74000.00}. I never had a student loan/agreement with the Dept of Ed. 
XXXX XXXX XXXX is reporting a balance of {$12000.00} on my XXXX. I have never agreed or paid any money to this company. The account is reporting in collection from XXXX and now it is reporting XXXX on XX/XX/XXXX. XXXX XXXX XXXX is reporting {$7000.00} on my XXXX. I have never agreed or paid any money to this company. The account is reporting in collections from XXXX and now it is reporting XXXX XX/XX/XXXX. XXXX XXXX XXXX is reporting a balance of {$5700.00} on my XXXX. I have never agreed or paid any money to this company. The account shows in collection from XXXX. XXXX XXXX XXXX is reporting a balance of {$6100.00} on my XXXX. I have never agreed or paid any money to this company. The account is reporting in collections from XXXX. 
The following unauthorized inquires are currently reporting on my 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 is reporting inaccurate information of one late payment XX/XX/XXXX on my XXXX. We have never been late on this account. 
XXXX is reporting a balance of {$9800.00} on my XXXX. XXXX has charged off this debt and reported it as a loss and never sent me a 1099-c.

The following unauthorized inquires are currently reporting on my XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX. 
The following unauthorized inquires are reporting on my Experian 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 XXXXXX/XX/XXXX Based on the laws and regulations 15 USC 1681 ( e ) ( b ) require that all information is reported 100 percent accurate. Under Section 1681 of the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccuracies and unauthorized access to my credit information.

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