Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: MA
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:
1 ) XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX had 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.

The Inconsistencies Of This Account Is The Account Type, Date Opened, No. Of Months ( Terms ), High Credit, Last Reported, Comments, Date Last Active And Date Of Last Payment.

2 ) XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX had 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.

The Inconsistencies Of This Account Is The Account Type, Whether Its Paid, Date Opened, Number Of Months and Terms, Payment Status, Last Reported, Comments, Date Last Active and Date Of Last Payment.

3 ) XXXX XXXX-COLLECTION XXXX XXXX-COLLECTION XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX had 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. 


The Inconsistencies Of This Account Is The Date Opened and Last Reported Is Impossible To Be Considered A Collection. No Note Of A Monthly Payment, No Information of a Past Due Amount. 2 Credit Bureaus XXXX Experian XXXX XXXX ) Have Not Reported This. 



4 ) XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX had 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.

The Inconsistencies Of This Account Is Thats Its Also The 5th Account Below named " XXXX XXXX ''. The Other Inconsistencies Are Date Opened, Payment Status, Last Reported, Comments, Date Last Active, And Date Of Last Payment. 



5 ) XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX had 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.

The Inconsistencies Of This Account Is Thats Its Also The 4th Account Below named " XXXX XXXX ''. The Other Inconsistencies Are Date Opened, Payment Status, Last Reported, Comments, Date Last Active, And Date Of Last Payment. 



6 ) Collection ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Collection ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX had 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. 


The Inconsistencies Of This Account Is Monthly Payment, Date Opened, Balance, No. of Months ( Terms ), Past Due, Last Reported, Comments, Date Last Active and Date Of Last Payment. 



7 ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) XXXX In Accordance with the Fair Credit Reporting act XXXX  Account XXXX had 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. 


The Inconsistencies Of This Account Is They Claim It Was Opened XX/XX/XXXX but Collection was set up for XX/XX/XXXX, Thats Impossible. This Account is NOT MINE! 
Its be noted That This Was Done XXXX Times For XXXX XXXX ( XXXX. XXXX XXXX XXXX  ) XXXX, XXXX and XXXX. 



8 ) XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX ) XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX had 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. 


The Inconsistencies Of This Account Is They Claim It Was Opened XX/XX/XXXX but Collection was set up for XX/XX/XXXX, Thats Impossible. This Account is NOT MINE! 
Its be noted That This Was Done XXXX Times For XXXX XXXX ( XXXX. XXXX XXXX  XXXX ) XXXX, XXXX and XXXX. 



9 ) XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX had 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. 


The Inconsistencies Of This Account Is They Claim It Was Opened XX/XX/XXXX but Collection was set up for XX/XX/XXXX, Thats Impossible. This Account is NOT MINE! 
Its be noted That This Was Done XXXX Times For XXXX XXXX ( XXXX. XXXX XXXX  XXXX ) XXXX, XXXX and 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 non-monetary relief