Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I recently tried to apply for a home but was denied. After reviewing my credit report, there are some major issues that need to be addressed recently tried to apply for a home but was denied. After reviewing my credit report, there are some major issues that need to be addressed. 

XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name is not mine and must be DELETED from my credit file immediately. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name doesnt belong to me. Remove this inaccurate information immediately from my credit report! 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- This Address is not mine and must be DELETED from my credit file immediately. 
XXXX. XXXX Date of inquiry : XX/XX/XXXX I do not recall giving my authorization for this credit pull, please remove this. 
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not recall giving my authorization for this credit pull, please remove this. 
XXXX. XXXX XXXX NA Date of inquiry : XX/XX/XXXX I do not recall giving my authorization for this credit pull, please remove this. 
XXXX. XXXX Account XXXX : XXXX High Balance : XXXX reports {$580.00}, Experian reports {$0.00}, XXXX reports {$580.00} Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Date of Last Activity : Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX I have never heard of this business before. 
There's no way this account belongs to me. Please remove this inaccurate information immediately from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX High Balance : XXXX reports {$13000.00}, Experian reports {$13000.00}, XXXX reports {$14000.00} Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. 
XXXX. XXXX Account Number : XXXX Date of Last Activity : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. 
XXXX. XXXX Account Number : XXXX Date of Last Activity : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX I have never heard of this business before. There's no way this account belongs to me. Please remove this inaccurate information immediately from my credit report. 
XXXX. XXXX XXXX  Account Number : XXXX Date of Last Activity : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX I have never heard of this business before. There's no way this account belongs to me. Please remove this inaccurate information immediately from my credit report. 
XXXX. XXXX XXXX  Account Number : XXXX Date of Last Activity : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX I have never heard of this business before. There's no way this account belongs to me. Please remove this inaccurate information immediately from my credit report. 
XXXX. XXXX XXXX Account Number : XXXX Date of Last Activity : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX I have never heard of this business before. There's no way this account belongs to me. Please remove this inaccurate information immediately from my credit report. 
XXXX. XXXX Account Number : XXXX High Balance : XXXX reports {$290.00}, Experian reports {$0.00}, XXXX reports {$200.00} Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. 
XXXX. XXXX Account Number : XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Please perform an investigation to determine whether or not this account belongs to me, as I am unable to recognize this business. Please erase this from my credit report.

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