Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: OH
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:
Issue 1 : My rights have been violated under the following legal guidelines : 15 U.S.C 1681 Section 602 A : states The Consumer have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : states The Consumer Reporting Agency Can not Furnish a account without the Consumer Written Instructions In accordance with the Fair Credit Reporting Act, these following companies listed below violated my rights as a Consumer. 

Creditor : XXXX XXXXXXXX, Account Number : XXXX Creditor : XXXX, Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX  ( 1 ) Account Number : XXXX Creditor : XXXX XXXX XXXX ( 2 ) Account Number : XXXX Creditor : XXXX XXXX, Account Number : XXXX Creditor : XXXX XXXX, Account Number : XXXX Creditor : XXXX XXXXXXXX XXXX, Account Number : XXXX Creditor : XXXXXXXX XXXX XXXXXXXX XXXX, Account Number : XXXX Creditor : XXXX XXXX, Account Number : XXXX Creditor : XXXX XXXX XXXX, Account Number : XXXX Issue 2 : After reviewing my Experian/XXXX  Credit Report on XX/XX/2023 XXXX I discovered the following items to be errors : 1. Creditor : XXXX XXXXXXXX, Account Number : XXXX Reason for the Dispute : The creditor was informed that this is not my account but they're forcing me to keep it when I have no knowledge of it. 
Requested Action : The account needs to be removed off my credit report. 

2. Creditor : XXXX, Account XXXX : XXXX Reason for the Dispute : This account was settled for a lesser amount but it is still reporting as over 100 days late and never as being settled. This account is reporting my information incorrectly. 
Requested Action : The account needs to be removed off my credit report. 

3. Creditor : XXXX XXXXXXXX XXXX ( 1 ) Account Number : XXXX Reason for the Dispute : This account was settled for a lesser amount but it is reported as a charge off and never as being settled. This account is reporting my information incorrectly. 
Requested Action : This account needs to be removed off my credit report.

4. Creditor : XXXX XXXXXXXX XXXX  ( 2 ) Account Number : XXXX Reason for the Dispute : This account was settled for a lesser amount but it is reported as a charge off and a different amount and never as being settled. This account is reporting my information incorrectly. 
Requested Action : This account needs to be removed off my credit report. 

5. Creditor : XXXX XXXX, Account Number : XXXX Reason for the Dispute This account was settled for a lesser amount but it is reported as a charge off and a different amount and never as being settled. This account is reporting my information incorrectly.

Requested Action : This account needs to be removed off my credit report. 



Again, these are violations of my rights as a consumer as these companies were notified of the errors and still have not removed the incorrect information immediately. 


15 U.S.C. 1681s-2 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681s-2. Responsibilities of furnishers of information to consumer reporting agencies Section A stating Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Section B stating Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

( 2 ) Duty to correct and update information A person who -- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

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