Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian manages XXXX other credit reporting agencies through their website. ( XXXX and XXXX ) Each credit reporting agency has different information on my credit report. I am agent for XXXX XXXX only. I do not use XXXX  other name, nor have I used XXXX  other name in the past or authorized any other name to be used. Experian, XXXX, and XXXX all have different information on credit file which is a violation of laws in place to protect consumer. 

-The addresses listed on my credit reports are non-mailable addresses that should have been removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX General XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX do not have a job so I am not sure why XXXX  the jobs are listed as XXXX XXXX XXXX XXXX. 

XXXX Accounts. 
I am being harassed by this creditor and late payments should not be on report per 15 USC 1666 Correction and billing errors. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC 1666 ; 11 USC 1692 ( d ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following was not authorized and request to be removed : Justice XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXExperian has not investigated the matter or provided report of investigation even after proof was submitted. Per 15 USC 1601, request deleted from credit file or listed as paid as agreed. I do not owe XXXX  to this creditor XXXX. The creditor was paid already and falsely reported. Experian allowed the creditor to post fraudulent reporting without requested investigation and now has allowed creditor to change information again without proof or investigation. 
I have not received 1099 C for XXXX  of the XXXX XXXX accounts which are considered fraud. i have not received XXXX  notice XXXX  or otherwise asking if I want to opt out. 

XXXX  ACCOUNTS : Experian is reporting wrong dates and the following accounts as open which is not under FCRA Compliance. 
XXXX XXXX XXXX alleged account is not XXXX  and more than XXXX  no reporting until I disputed the charge. Experian refuses to investigate. Failed to provide contract or evidence requested. 

XXXX $ XXXX my acct and I have disputed this information. However, Experian failed to investigate. 
Both accts are actively engaged in ghost reporting to make it appear as though the accounts are active and open. My information was shared with these creditors in which I did not authorize. 

XXXX  items above, I requested deletion, updated as paid as agreed, and or removed as appropriate and I have received no 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