Consumer complaint received 2024-12-18 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: AL

Complaint narrative:
Recently I did an investigation on my credit report and found several items that are inaccurate.

Under 15 U.S. Code 1681e ( b ) - Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I filed a CFPB complaint on XXXX the complaint number is XXXX the issue was not resolved according to FCRA standards. They used 3rd party companies to verify information that I did not give consent to and they did not verify any information with the alleged creditor directly in accordance with it clearly states on Experian 's website and other company information that they use third party data furnishers to report information. on the above complaint. Also Experian uses EOSCAR to auto verify information and attaches an identifying number to addresses and links that to third party data information. Experian makes no reasonable effort verify that the information they get is accurate and factual. In the above complaint number Experian failed to resolve the issue according to the law as written. the following items are still unverified by Experian and need to be removed permanently from my report. 

Personal Information- The below listed addresses are incorrect and has been reported inaccurately, without validation and without my knowledge and consent and needs to be removed from my credit file XXXX XXXX XXXX. XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Names- The following names listed are incorrect and has been reported inaccurately, without validation and without my knowledge and consent and needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXX XXXX Should reflect XXXX XXXX XXXX The following closed accounts listed are incorrect and has been reported inaccurately, without validation and without my knowledge and consent and needs to be removed from my credit file according to 15 USC 1681 and other applicable law XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account # XXXX Account has not been validated by Experian by creditor in accordance with XXXX XXXX XXXX and other law applicable to consumer rights XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX Account # XXXX Account has not been validated by Experian by creditor in accordance with XXXX XXXX XXXX and other law XXXX to consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Account # XXXX Account has not been validated by Experian by creditor in accordance with 15 USC 1692g and other law applicable to consumer rights This is not an original creditor that I have any contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX Account # XXXX Account has not been validated by Experian by creditor in accordance with 15 USC 1692g and other law applicable to consumer rights This is not an original creditor that I have any contract with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Account # XXXX Account has not been validated by Experian by creditor in accordance with 15 USC 1692g and other law applicable to consumer rights This is not an original creditor that I have any contract with The following Inquires listed are incorrect and has been reported inaccurately, without validation and without my knowledge and consent and needs to be removed from my credit file. I did not receive credit from the below listed companies XXXX XXXX Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX  XXXX Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX Inquired XXXX XXXX XXXX XXXX XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX Inquired XXXX XXXX XXXX  XXXX XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX XXXX XXXX Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX XXXX XXXX Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX XXXX  Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX XXXX  Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX XXXX Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX XXXX XXXX Inquired on XX/XX/XXXX I also did not consent for the inquiry or for it to continue and received no credit from them XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX also did not consent for the inquiry or for it to continue and received no credit from them

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