Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: MN
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:
The credit bureaus stated all my disputed accounts, listed below were properly investigated, but it is not possible when the date open is not accurate, date last active is not accurate, date last reported is not correct, date last active is inaccurate. This is grounds for removal. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX. Account name : XXXX XXXX XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX XXXX. Account name : XXXX  XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX  Account # XXXX XXXX. Account name : XXXX XXXX XXXX -- Account # XXXX Amount = {$2500.00} XXXX. Account name : XXXX XXXX XXXX -- Account # XXXX Amount = {$3500.00} XXXX. Account name : XXXX XXXX XXXX -- Account # XXXX Amount = {$4000.00} XXXXAccount name : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX name : XXXX XXXX XXXX  -- Account # XXXX Amount = {$6000.00} XXXX. Account name : XXXX XXXX XXXX XXXX- Account # XXXX Amount = {$2200.00} XXXX. Account name : XXXX XXXX XXXX -- Account # XXXX Amount = {$3500.00} XXXX. Account name : XXXX XXXX XXXX  -- Account # XXXX Amount = {$4500.00} XXXX. Account name : XXXX XXXX XXXX -- Account # XXXX Amount = {$5300.00} XXXX. Account name : XXXX XXXX XXXX Account # XXXX XXXX. Account name : XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX XXXX. Account name : XXXX  XXXX XXXX Account # XXXX XXXX. Account name : XXXX -- Account # XXXX XXXX. Account name : XXXX  -- Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX XXXX. Account name : XXXX  Account # XXXX These accounts and this credit reporting agency has violated my rights under these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C 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.

15 U.S.C. 1681o ( a ) ( 1 ) ( 2 ) Civil liability for negligent noncompliance 15 U.S.C. 1681I 15 U.S.C. 1681n ( a ) ( 1 ) = ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; The Credit bureaus also took more than 30 days to complete the investigation on my accounts!

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