Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 fair credit reporting act XXXX accounts, 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 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 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX 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 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX 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 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX 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 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX XXXX 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 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 21. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 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 24. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 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 25. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
26. I Was Never Late on this account XXXX XXXX Account Number : XXXXhave violated my rights. 

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 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 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 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX 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 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX XXXX5 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 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 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 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX 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 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX  Date of inquiry : XX/XX/XXXX 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 21. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 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 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX 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 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 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 24. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 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 25. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 
26. I Was Never Late on this account XXXXXXXX XXXX Account Number : XXXX 15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not you must delete these alleged lates payment from my credit report. 
27. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 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 28. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 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 29. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX  Account Number : XXXX 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 30. 15 U.S. Code 1681b - Permissible purposes of consumer reports Account Number : XXXX 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 31. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 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 Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, 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