Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX : CFPB Other additional issues I am having are that Personal Information is incorrect Old Information reappears or never goes away Information incorrect Account status incorrect showing open accounts as closed showing delinquent Experian REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681EB. 
The following EXPERIANINFORMATION IS INACCURATE : I HAVE SENT LETTERS OF DISPUTE ON THE FOLLOWING DATES : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND NOTHING HAS BEEN DONE, SO I RESORT TO YOU FOR ASSISTANCE VIOLATIONS AND UNDELETED INACCURACIES AS FOLLOWS VARIOUS USES OF THE INACCURATE ALIAS NAME : XXXX XXXX XXXXXXXX, these aliases have never been my legal name. I have notified EXPERIAN many times and they fail to remove and leave only my Legal accurate name in violation of 1681s of 1681s-2 My correct name is XXXX XXXX I have submitted documents to EXPERIAN Aliasas of XXXX XXXX and XXXX XXXX should be deleted. 
VARIOUS ADDRESSES I HAVE NEVER LIVED IN ARE NOT BEING REMOVED even in violation of 1681s-2 ; after I expressed in writing that this was inaccurate. 
My Correct and only address is XXXX XXXX XXXX XXXX, XXXX Texas XXXX. 
Addresses Experian will not remove and are detrimental since the US post office can incorrectly misdirect my mail : INACCURATE ADDRESSES BEING REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 Which Experian will not remove, and I have disputed and instructed Experian in writing to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX INACCURATE EMPLOYER INFORMATION BEING REPORTED IN VIOLATION OF 1681EB, 1681 s-2, 1681 i5 IN VIOLATION OF MY RIGHTS & EXPECTATION OF PRIVACY I do not know who the listed EMPLOYER is and it can be identify fraud, I need it removed. 
EMPLOYER NAMES NOT REMOVED AND NOT KNOWNTO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE ACCOUNTS BEING REPORTED AFTER I REQUESTED DELETION FOR INACCURACIES AND EXPERIAN HAS FAILED TO REMOVE THEM : VIOLATION OF15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe this information is inaccurate The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS Account name : XXXX XXXX Account # XXXX **** {$3200.00} HIGH BALANCE {$51000.00} CHARGED OFF / SENT TO TWO DIFFERENT COLLECTION COMPANIES I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone. XXXX nor this entity. 

Account name : XXXX XXXX Acct # : XXXX {$37.00} CHARGED OFF/ I was not contacted by this creditor regarding this alleged debt. 
I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone. XXXX nor this entity. 
Account Name : XXXXXXXX XXXX Account # XXXX $ Unknown CHARGED OFF/ I do not know this creditor, I was not contacted by this creditor regarding this alleged debt. 
I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone. XXXX nor this entity. 

ACCOUNTS Account name : XXXX XXXX Account # XXXX **** {$3200.00} HIGH BALANCE {$51000.00} CHARGED OFF / SENT TO TWO DIFFERENT COLLECTION COMPANIES I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone at EXPERIAN or this entity. 
Account name : XXXX XXXX Acct # : XXXX {$37.00} CHARGED OFF/ I was not contacted by this creditor regarding this alleged debt. 
I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone at EXPERIAN or this entity. 
Account Name : XXXXXXXX XXXX  Account # XXXX $ Unknown CHARGED OFF/ I do not know this creditor ; I was not contacted by this creditor regarding this alleged debt. 
Account Name : XXXX XXXX Account # XXXX SHOWING creditor remarks : account in dispute/this is not accurate. Delete. 
I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone at EXPERIAN or this entity. 
15 U.S. Code 1666b 15 U.S. Code 1666b - Timing of payments U.S. Code ( 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. 


Furthermore INQUIRIES INACCURATE INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE REPORTED 15USE1681b permissible purpose : Creditor Name Date of Inquiry Credit Bureau XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXXY XXXXExperian XXXX XXXXExperian XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian XXXX XXXX XXXXExperian LISTED INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE REPORTED 15USE1681b permissible purpose : Experian AND THE ABOVE CREDITORS I believe has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe this information is inaccurate I want CFPB to require that consumer reporting agent EXPERIAN pay MONETARY DAMAGES of {$1000.00} per each violation they caused to me and to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The poor reporting and malicious negligence of EXPERIAN has caused damage to my Livelihood, damage to my way of life and has been detrimental when applying for consumer products and the other party sees me poorly when evaluating the credit worthiness, credit standing, credit capacity, has caused damage to my character, and damaged my general reputation and is a disrespect for this consumers right to privacy. I have been communicating with EXPERIAN for over 2 years and nothing has been done to correct these Federal Violations by EXPERIAN.

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