Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act, DeptEdXXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) Have violated my rights.

15 U.S.C 1681 section 602 A, states I have a right to privacy.

15 U.S. C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish my account without my written permission. 


XX/XX/XXXX I sent a letter to all XXXX XXXX XXXX advising them of inaccuracies concerning XXXX accounts, outlining the inaccurate information being reported and that I wanted them deleted. 
XX/XX/XXXX I sent another letter to XXXX XXXX XXXX stating the same things, inaccurate information being reported and to please delete. 
XX/XX/XXXX I sent another letter to XXXX XXXX XXXX stating the same thing. And as of XX/XX/XXXX these accounts are still being reported. 

Account numbers are : DeptEd/XXXX XXXX XXXX XXXX  ) DeptEd/XXXX XXXX XXXX XXXX XXXX DeptEd/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to all three bureaus about inaccurate information that was outlined in the letter regarding : XXXX XXXX XXXX XXXX XXXX  asking them to delete the account. It is still being reported inaccurately. 

XX/XX/XXXX I sent a letter to all three bureaus detailing the inaccuracies and the violations on these XXXX accounts : US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX ( XXXX ) US DEPT ED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent another letter to the XXXX bureaus detailing the inaccuracies and violations that are being reported. Along with this letter I sent a letter from XXXX forgiving my student loans and asked them to put paid and change or delete the comments. These still show inaccuracies in my report. 

XX/XX/XXXX I sent a letter to Experian asking them to delete these XXXX inquiries because they do not have a permissible purpose for reporting and that I was not given a firm offer of credit and its neither for employment, court order or insurance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to TransUnion asking them to delete these five inquiries because they do not have a permissible purpose for reporting ; I was not given a firm offer of credit and it is neither for employment, court ordered or insurance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These XXXX inquiries are still being reported on my credit report. 

I have requested on several different occasions that they make the proper corrections and after XXXX XXXX XXXX XXXX years, they reporting the same inaccurate information that is preventing me from buying a house or getting a good car loan. 

I will be uploading all the letters and screenshots in the order presented in this letter. 

Thank you and have a most excellent day. 

XXXX XXXX

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