Consumer complaint received 2023-01-29
Company: Experian Information Solutions Inc.
State: TX
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 with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. 

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX # XXXX ( Debt collector failed to furnish original contract. Debt collector failed to validate debt. Debt collector is continuing to report a balance on a charged off account. Debt collector is reporting the same account already listed. Collector called family members multiple times and revealed the debt even after being asked not to. ) Account Name : XXXX XXXX XXXX # XXXX ( Debt collector failed to furnish original contract. Debt collector failed to validate debt. Debt collector is continuing to report a balance on a charged off account. Debt collector is reporting the same account already listed. Collector called family members multiple times and revealed the debt even after being asked not to. ) Account Name : XXXX XXXX XXXX # XXXX ( Debt collector failed to furnish original contract. Debt collector failed to validate debt. Debt collector is continuing to report a balance on a charged off account. Debt collector is reporting the same account already listed. Collector called family members multiple times and revealed the debt even after being asked not to. ) Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX ( Debt collector failed to furnish original contract. Debt collector failed to validate debt. Debt collector is continuing to report a balance on a charged off account. Debt collector is reporting the same account already listed. Collector called family members multiple times and revealed the debt even after being asked not to. ) Account Name : XXXX XXXX XXXX # XXXX ( Debt collector failed to furnish original contract. Debt collector failed to validate debt. Debt collector is continuing to report a balance on a charged off account. Debt collector is reporting the same account already listed. Collector called family members multiple times and revealed the debt even after being asked not to. ) Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 7 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. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )

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 non-monetary relief