Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 15 USC 1681, Experian grossly mishandled my personal private information and reported inaccurate and outdated data to creditors. 

I am submitting this complaint after discovering a serious matter concerning my identity and reporting data. It has come to my attention that my personal information has been compromised, with evidence suggesting unauthorized activity as far back as XXXX. Recently, I received notification from XXXX confirming my participation in the data breach settlement, which further validates that my personal identifying information has been breached. However, up until XX/XX/XXXX, I was completely unaware of this situation and did not receive any prior notification from XXXX regarding the breach or the compromise of my information. Compensation for this breach was a digital gift card for {$16.00} which was a complete insult to the seriousness of this matter. 

Additionally, I have gathered over 15 screenshots of alerts from the dark web indicating that my personal detailsincluding email address, phone numbers, addresses, driver 's license number, and other sensitive informationare at risk. I also highlighted the inaccuracies from the annual credit reports website which greatly differs from the reporting agencies information on their website. 

Given the sensitive nature of this matter and the shortcomings of the credit reporting agencies in maintaining and collecting accurate information I have endured reputational damage, financial hardship, and limited to employment opportunities. Based on the multiple adverse actions letters from creditors, I feel my inability to receive an adequate interest rate and down payment requirement for a car loan, housing, and employment is due to gross misconduct of these reporting agencies. My credit score from said company varied significantly within a matter of days which I have submitted with my complaint. I have an online account with Experian and the information on that credit report and the information from XXXX also contains different information which misleads consumers when reviewing their credit files from what lenders actually see. Furthermore, hard inquiries within the regulated time frame should appear as 1 ; however, they show as individual inquiries which is also violating my rights and hindering my credit worthiness. Experian also matches you with loan offers or credit card offers which seems to be good but are misleading. When it is advertised that you match, it gives the impression that you qualify but when you apply, you are denied. This is very much misleading and also causes a hard inquiry on your credit report. This practice is unfair and is not beneficial to consumers, it actually is beneficial to the companies involved as I am sure there is some type of compensation paid to the reporting agency for this practice. The information that is inaccurate are as follows : 1. My name is misspelled XXXX times. This clearly this is not reporting accurate information. Additionally, I have never legally used my married name on any type of credit, bank account, or official document which makes me question where this information was pulled from and that it could not have been verified by Experian.

2, Addresses listed on report are also inaccurate which leads me to again question the validity of how this information was verified by agency before reporting it. Some of the addresses are over XXXX XXXX XXXX. There are at least XXXX of the addresses that I don't even recognize or ever had an mail or anything delivered to the addresses. The information gathered regarding this addresses could not have been verified as an address that I lived at. This also causes me to question how this information was gathered.

3. All of the phone numbers listed are inaccurate 4. The monthly payments for my credit cards show minimum due and not what I actually paid. This is also reporting inaccurate information XXXX. XXXX XXXX was paid in full and a settlement. Additionally, this account was charged off and wrriten off by company in their taxes so how can this still be reported as a debt owed. 
XXXX. XXXX repossessed the car and sold it. Additionally because of repossession company 's negligence, I did not have possession of vehicle until XXXX but it was reported that account was past due for XXXX  days. No documentation was ever sent to me regarding the sale of the vehicle or remaining outstanding balance. The outstanding balance is reprentative of what I was compensated by XXXX for not having vehicle for the XXXX months after I paid the repo fees in XXXX. 

XXXX. The date opened for XXXX loans are grossly incorrect. My XXXX loans were from XXXX and XXXX. I did not return to XXXX  until XXXX and never got any XXXX  loans. Again, the accuracy of this information could not have been verified. 

XXXX. XXXX XXXX this account was sold to a collection agency that is banned. So why is this account still on my credit report if sold without my consent. 

Furthermore, there is a collection for XXXX XXXX during a time I did not have a car. How could I have an insurance payment not paid for if I never had a car to be insured. My vehicle was repossessed in XXXX and XXXX XXXX is reporting this account As outlined in the FCRA, Public Law 91-506, Title VI, Section 611, Subsections A-D, I requested the removal of inaccurate names, addresses, and accounts that were charged off or paid in which I should have received a form XXXX with no resolve. I filed dispute in XX/XX/XXXX and followed up with another letter XXXX, XXXX. To date, Experian has never responded to these disputes/requests and continues to report inaccurate, outdated, and charged off accounts. In XXXX, XXXX, I hired the services of XXXX, a credit repair company and I paid {$800.00} for their services. In the letters, a request to furnish tangible evidence showing my signature linked to these names or addressesnot a computer-generated responsehave been ignored and/or unanswered. 

I have highlighted the inaccurate or incorrect information on Experian 's Annual Credit Report that I have attached. 

According to my research the following 12 regulations were violated by Experian 1. FCRA Sections 607 ( b ), 2. FCRA Sectioon 624, 3. FCRA Section 613 4. FCRA Section 623 Regulation V, 5. FCRA Section 609 Regulation B, 6. FRCA Section 617, 7. USC Title 15 1681i ( a ), 8. USC 1681i ( a ) 6 ( b ) 3, 9. USC 1681i ( a ) ( 5 ) 10.Title 5 Section 552a 11. NCA 126B ( i ) ( a ), 12. NCA Section 89

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