Consumer complaint received 2024-10-11 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: PA

Complaint narrative:
Experian conducted a view inaccurate investigations. They are stating according to the FCRA investigation conducted they will keep accounts on my credit report. I would like to know the measures taken to conduct these investigations? I've previously stated in these disputes if the original documentation with a wet ink signature representing the living XXXX XXXX XXXX can not be obtained these reports need to be removed from all reporting agencies. None of that was addressed in dispute results. I've asked Experian to remove information thats not mine such as SSN, addresses, wrong names. I was told they are not able to do that, because the company 's instructed them not to. Thats securities fraud, Identities fraud, XXXX is reporting I opened an account with them in XXXX. XXXX has not been servicing student loans since XXXX. I want to see original documentation with me opening an account with this entity in XXXX. This account need to be removed. 

XXXX I've previously stated in these disputes if the original documentation with a wet ink signature representing the living soul/ Man/Woman/ Grantor can not be obtained these reports need to be removed from all reporting agencies. This entity has reported this account as charge off, which means they have excepted payment. If payment has been excepted you can not report the same information until XXXX. Derogatory remarks is deformation of character. 

XXXX XXXX I've previously stated in these disputes if the original documentation with a wet ink signature representing the living soul/ Man/Woman/ Grantor can not be obtained these reports need to be removed from all reporting agencies. This entity has reported this account as charge off, which means they have excepted payment. If payment has been excepted you can not report the same information until XXXX. Derogatory remarks is deformation of character. 

XXXX  should not be on my credit report. I applied for their credit card, and was denied. I don't have an account with this entity. What is the means of reporting? This is fraud. I've asked for original documentation with a wet ink signature representing the living soul/ Man/Woman/ Grantor. If this can not be obtained these reports need to be removed from all reporting agencies. Terms state 1 month. 

XXXX XXXX XXXX In I do not have any business with this entity. We have no contract in place to conduct business. According to this report they have charged off a debt with me. This need to be explained with original documentation. This entity brought a debt from XXXX XXXX  while they are still reporting to my credit as well. Experian is stating this type of false reporting meet the FCRA. On record until XXXX. 

XXXX XXXX XXXX Ive placed numerous investigations with the department of education. None of these concerns was addressed. It's at the point to Im bringing these concerns to the federal bureau of investigations. This entities have illegally garnished my wages. Schools I've attended have closed with not completion of the programs. The wrong information keep being reported ( wrong address, SSN, names, amounts, etc ) They have sold my information to so places. Garnishments have not been reported. The list goes on. These reports are to stay on my credit for 120 months, which means if they are reporting these accounts was opened in XXXX, They should be removed by now. Some go back to XXXX. Each of these accounts are reporting $ XXXX {$3000.00} differences. 
XXXX XXXX XXXX is a debt buyer stating they have accepted payment, but continue to report false information. In this report they are saying I opened an account with them in XXXX. I would like to see that documentation. I have no contract agreement business with this entity. They are reporting to the credit agencies as well as XXXX XXXX. I previously ask them to remove my information from all reporting agencies. 

XXXX XXXX XXXX is reporting as a debt buyer that contracted business with me in XXXX. I would need to see that information. They have accepted payment. but reporting to my credit as well as XXXX XXXX. Ive requested specific original documentation, which have not been furnished. This account need to be removed from all credit agencies. 

XXXX XXXX XXXX XXXX  is stating they have accepted payment for more than the original amount owed ; and have written off this account. They are continuing to report derogatory information to credit agencies. 

XXXX XXXX  XXXX have a settlement they made with me, but continue to report derogatory information to my credit report. Ive received a debt cancellation from them. They are reporting until XXXX from XXXX when the settlement was made. You can not ask for a settlement then continue to report false information. 

XXXX XXXX XXXX is under federal investigation with me. They brought numerous credit accounts in my United states created name. They are reporting I have a business obligation with them ; which I asked them to furnished specific original documentation. they have told me via phone call they do not have to furnish that information. I didn't give them the right to call, or mail me out anything. They continue to harass me with nasty untrained customer services reps. They are reporting to stay on my account until XXXX. I've asked them to remove any and all accounts they have purchased. 

XXXX this company have accepted payment and continue to report derogatory information. This is defaming my charter. Ive previously asked them to furnish specific information that have not been furnished. They are reporting until XXXX. 

US DEPATMENT OF EDUCATIONXXXX is currently under federal investigation. This account is reporting they have closed the account and I was never late, but it still remain on my credit until XXXX, and the terms say for 300 months. If I have about {$70000.00} in debt they are stating I owe them about {$45000.00} of that debt. These accounts go back as far as XXXXThey have violated my rights in numerous ways. 

XXXX XXXX is a Hard inquiry that has been on my credit since XXXX and to remain on there until XXXX. If credit was denied why are they still reporting? They credit that was denied was made into a securtiy, which is securities fraud.Ive tried to reach out to settle this matter just a recording come on. No one is ever available. 

Credit was denied from these companies or inquires was made not by me. They need to come off my credit. Also reported for securities fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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