Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : XXXX status Updated : XX/XX/XXXX Remove late payment. 
I was never late. There must have been a billing error. I made my payment on time due to My debit card on file. This is inaccurate information update my payment history immediately under 15 USC 1681e ( b ), 15 USC 1681i ( 5 ) ( i ) ( ii ), 15 USC 1666band 1666c. 

XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} Collection Action : false reporting and misrepresentation, This account is not valid/ This is Identity theft I didn't give verbal instruction or written instruction to report such an account, This account is damaging my report by illegal information that is not governed by the Congress. I do NOT OWE SUCH DEBT. REMOVE IMMEDIATELY. 
- Child support is Declared unconstitutional By the Supreme Court. 
- I didn't enroll in this program - who gave your company or CHILD SUPPORT ENFORCEMENT consent to use my social security number? 
- This is identity theft someone uses my social to enroll my information. I didn't enroll in this program. 

XXXX. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Late Payment reporting : XX/XX/XXXX 30 days late updated status : XX/XX/XXXX Action : This account is not reporting 100 % accurately. Your company Experian job is to furnish accurately and make sure there's factual data reporting but your company failed by reporting false information and unverifiable information. Remove the late payments and update my payment history. 


XXXX. XXXX XXXX XXXX Voluntarily Surrender Charge off Written Off Auto Loan Past due as of XX/XX/XXXX Balance : {$7400.00} Action : This account is not valid. This account is violating my consumer rights. This is identity theft. I didn't give your agency consent or written instruction to report such information. 
15 USC 1681i, 15 USC 1681, 15 USC 1681e ( b ). 15 USC 1681s-2 ( a ) ( 1 ). Remove this account immediately and delete all activities.

Identity theft.

5. SECURXXXX XXXX XXXX Reporting collection opened : XX/XX/XXXX Balance : {$390.00} Action : Reporting false information/ NOT VERIFIABLE/ Account is not mine This debt is Not mine. This company violated my report Experian report. 
Remove and delete this account immediately/ Identity theft. 
- I want a purchase agreement - want documents that validate this is my account immediately within 5 days due to this is my second attempt to dispute. 
- Validate this account not verification XXXX. Your company Experian is reporting Public records that I didn't permit to Report any such false records, not only that I have NOT sent any written instructions or verbal instruction to report any public records. This is identity theft and Your company is helping such company or XXXX XXXX XXXX report false and misleading information that is violating 15 USC 1681 I have the right to privacy, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) I want all public records to be removed and delete immediately or I will file a police report against Your company for identity theft and take litigation for numerous of violation. I want proof of this public record that is reporting and documents of the original contract with my name signed in ink if not remove all public records immediately.

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