Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
hello, so i have tried to login into the Experian to file a dispute and see if they have made any progress on my previous claims however once you log into their portal it says their dispute center is down and out of service they don't even show a report on the other credit bureaus for me and last but not least they have my account under the name XXXX XXXX XXXX and so did Experian but they hurried up and quickly fixed the name and removed some inquires and nothing else. it's been over a year I have documents to submit the identity theft XXXX report I have documents from Experian stating I was a victim of their data breach as well as Experians. they have the count list as identity theft and after all that, no progress I'm homeless sleeping couch to couch at XXXXyes old because this whole mess has destroyed my life and ability to obtain residence anywhere except friends and family credit accounts claim to be closed but not provided any proof of the 1099 paperwork showing the wrote there loss off and claimed the insurance money and even after it clearly states every one of these accounts I'm gon na list as charged off each one of these companies and creditors for the last year straight attempt on the daily trying to obtain more money even after they know it was not my accounts and they have already collected insurance money for the supposed charge offs but still harassment and have not removed anything please help According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S Code & 1681e, you are required by federal law to verify- through the physical verification of the original signed consumer contract and any post on a credit report. otherwise, anyone paying for your reporting service could fax. mail or email in a fraudulent account. I would like to see verifiable proof ( an original consumer contract with my signature on it ) here are the accounts I'm lististing. transunions and these creditor 's failure to positively verify these accounts has destroyed any chance of me obtaining credit. Under the FCRA. unverified accounts must be removed and if you can not verify these account the need to be removed asap XXXX XXXX : XXXX View Account Details Account status Closed Age of Account 2 years 6 months 7 days Late payments XXXX XXXX XXXX : XXXX View Account Details Account status Closed Age of Account 2 years 6 months 30 days Late payments XXXX XXXX : XXXX View Account Details Account status Closed Age of Account 4 months 23 days Late payments XXXX Mortgage ( XXXX ) You currently do not have this type of account. 
Installment ( XXXX ) You currently do not have this type of account. 
Other ( XXXX ) XXXX XXXX XXXX : XXXX View Account Details Account status Closed Age of Account 8 months 2 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available Whats this? 
View Account Details Account status Closed Age of Account 1 year 9 months 5 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available Whats this? 
View Account Details Account status Closed Age of Account 1 year 8 months 29 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available Whats this? 
View Account Details Account status Closed Age of Account 2 years 21 days Late payments XXXX XXXX XXXX XXXX Original creditorXXXX XXXX XXXX XXXXXXXX XXXX Balance {$380.00} Balance updatedDec XXXX, XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX Balance {$470.00} Balance updatedDec XXXX, XXXX XXXX XXXX XXXX Original creditorXXXXXXXX XXXX XXXX XXXX. 
Balance {$1200.00} Balance updatedDec XXXX, XXXX XXXX XXXX XXXX Original creditorXXXX XXXXXXXX XXXX. 
Balance {$740.00} Balance updatedXXXX XXXX, XXXX Inquiries ( 39 ) Hard Inquiries ( 4 ) Hard inquiries may impact your credit score. 
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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