Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: MI
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 bureau reporting agency has violated my federally protected right. 
XXXX, XXXX, Experian did not resolve the inaccurate information on my credit file, they sent me an auto verification letter claim that everything on my file is accurate and verified, when I pulled my credit report i found everything inaccurate, I don't want to receive another automatic piece of paper again saying everything accurate. also, ill list all the law you might be familiar with to avoid legal actions. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX - XXXX Listed Charge off '' XXXX Experian XXXX Account XXXX XXXX XXXX XXXX High Balance : {$1200.00} {$0.00} {$0.00} Last XXXX -- -- Date of Last XXXX XX/XX/XXXX XX/XX/XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX. 

****Inaccurate information, account number, this account must be removed from my credit file immediately**** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX # XXXX " XXXX XXXX '' XXXX : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ). 

*Experian : : ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ). 

XXXX XXXX ( XXXX XX/XX/XXXX ) ( XXXX XXXX ) ( 60 days XX/XX/XXXX ). 

****all Inaccurate payment history must be removed immediately**** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance : {$1000.00} {$1000.00} {$0.00} Last XXXX -- -- Date of Last XXXX XX/XX/XXXX XX/XX/XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed XXXX -- -- Account Rating : Derogatory Paid Derogatory Account Description : ndividual Individual Individual ****All the information above doesn't match and inaccurate this account need to be removed immediately**** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance : {$430.00} {$0.00} {$0.00} Date of Last XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed XXXX -- -- Creditor Type : Bank Credit Cards Bank Credit Cards National Credit Card ****all the information above unmatched and inaccurate this account need to be removed immediately**** -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX  Account # XXXX XXXX XXXX High Balance : {$2300.00} {$2300.00} {$1000.00} Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$1000.00} {$0.00} {$0.00} Payment history XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX Experian : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX : XXXX XXXX : XXXX XXXX : XXXX ****All the information above is inaccurate and this account must be removed from my file immediately**** -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX  XXXX XXXX  # XXXX " Late Payment '' XXXX : ( 30 days XX/XX/XXXX ) Experian : ( 30 days XX/XX/XXXX ) XXXX : ( 30 days XX/XX/XXXX ) ****The reporting payment history inaccurate and the late payment must be removed immediately**** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX # XXXX " Late Payment '' XXXX : ( 30 days XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) Experian : ( 30 days XX/XX/XXXX ) XXXX : No late payment reported ****The information above inaccurate and the late payment need to be removed immediately**** Everything above is inaccurate and not match need to be removed immediately.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 ) 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.

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