Consumer complaint received 2024-12-15 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: IL

Complaint narrative:
Would like to file a complaint against all 3 major credit bureau agencies for not assuring that they report accurately & not properly securing my personal data ; I have spent countless hours on the phone and wrote letters to companies, creditors and credit bureaus with no success they have not updated or removed the accounts reporting inaccurately. According to 15 USC 1681i ( a ), I have the right to dispute information in my credit report which I believe is inaccurate or incomplete. I request that you conduct a thorough investigation into these entries. My personal information was exposed in national social security XXXX XXXX breach. These account ( XXXX ) are incorrectly being reported as a charged off COLLECTION account with a balance due which is a billing error ; no XXXX provided by lender. Missed payments and late payments on these accounts. I AM SEEKING LITIGATION!! ALSO, NEVER RECIVED XXXX FROM CREDITOR ; NEVER HAD ACCOUNTS WITH COLLECTION COMPANY. These account are reporting inaccurately and needs to be removed immediately. 
FCRA XXXX ( a ), XXXX, XXXX ( f ) it is illegal to report anything on my credit report without my permission and to block/remove information in consumer file that consumer has identified as result of identity theft. FDCPA ( 15 U.S.C. 1692 ET ET SEQ. ) US 15 1666b above stated laws apply to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following Address are reporting incorrectly and need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following aliases are reporting incorrectly and need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX- The following telephone numbers are reporting incorrectly and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following social security XXXX XXXX reporting incorrectly and need to be immediately removed : XXXX  The following DATE OF BIRTHS are reporting incorrectly and need to be removed : XXXX  - Please also remove all non-account holding inquiries over 30 days old. report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. 

The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX I have suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. By the provision of the Fair Credit Reporting Act, please have these items removed from my report. Please send me an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. 


1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to be no charge for this report. Please notify me of the results of your investigation within the 30-day time frame mandated by the FCRA. If the disputed items are found to be inaccurate or unverifiable, please ensure that they are removed from my credit report and send me an updated copy. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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