Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian XXXX XXXX has account that is reporting incorrectly I made many attempts to fix the errors that the company reporting on my credit files also I did not give Experian.Equifax.transunion any written consent to share information about me I also try many years to work with these businesses to fix errors they reporting you also know that after 4 years they not able to collect on a debt after these company sold and buy back debt was do to identity theft creditors thats reporting names below. 
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 UT XXXX ( XXXX ) XXXX I had sent many documents showing that XXXX fraudulent reporting information to all XXXX business showing that XXXX was charged off sold 4 times to XXXX XXXX XXXX XXXX and resurgent showing XXXX violated these law for 4 years also has a 1099c showing that it was paid off in still showing a balance that was written off causing financial hardships casing financial damage I also still reporting to all 3 business XXXX, XXXX and Experian as you see it reporting to all XXXX XXXX ) ( XXXX, XXXX, T ) businesses XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX  and clarity these companies sharing my information without my consent but giving personal information causing Finanical harm deformation on my behalf because the account that are reporting was do to id theft. they refuse to take action doing many investagation thats prolonging the investagation I receive deletion letter from XXXX and XXXX XXXX  for removal in Experian and XXXX XXXX refuse me to update my accounts with the correct data name address and date of birth my name is XXXX XXXX XXXX only spelling of my names and address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX also account thats are id theft. ftc report police report will be attach with proof of address and name.as you see the attachment it shows inaccurate information from collection companies also Obligates the third party, service provider, or contractor to comply with applicable obligations under this title and obligate those persons to provide the same level of privacy protection as is required by this title.If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer not one creditors business notify me of any debt before reporting this information on my behalf without my consent as a XXXX XXXX XXXX XXXX I wasnt aware of these account when I did notice I took action filing a police report and also ftc reports complaints many times. see attachment of my report from the company and see if they really did the investigations my privacy was violated and my right to privacy was ignore Billing errors thats gave these company to which share information on me caused damages please remove the account our I will take further action and seek legal action to clear my name. this has caused me so much stress and worries etc. veros is aware that the loan they has me to pay for wasnt not my signature on the loan document they had forcefully collected payment for years on that account, held me knowing the loan was not legal with harsh and abusive method to receive payments from me mind you I never sign a document with veros from the gate. im requesting refund of ( 3 ) provide to the consumer orally, in writing, or electronically ( A ) the name, address, and telephone number of the consumer reporting agency ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) that furnished the report to the person ; and ( B ) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken ; and ( 4 ) provide to the consumer an oral, written, or electronic notice of the consumers right ( A ) to obtain, under section 1681j of this title, a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the 60-day period under that section for obtaining such a copy ; and ( B ) to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency.

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