Consumer complaint received 2022-07-09
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:
I have multiple accounts and inquiries that should not be reflecting on my consumer report, either because I did not give written permission to do so, or because there was no line of credit extended. { 15 U.S.C. 1681b ( a ) ( 2 ) ( 3 ) ( A ) } My consumer report should not contain any transactions or experiences between me and the creditors. { 15 U.S.C 1681a ( 2 ) ( i ) } My consumer rights have been violated time and time again even after providing proof in the form of multiple credit reports that clearly highlights the inaccurate unverifiable information. The CRA 's lack of compliance to the laws of the FCRA is costing me a great deal of financial hardship in these troubling times. 
XXXX ( XXXX ) This account shows multiple high balance amounts, dates of last activity, date reported and last payment. Your CRA does not even reflect a date for last verified nor closed date. 
XXXX XXXX ( XXXX ) Your CRA is reflecting {$0.00} as a high balance but {$480.00} as the balance owed, how do I owe anything if the highest balance I've ever had on this account is {$0.00}? Once again there is no last verification date or closed date! The dates of last activity differ for EACH CRA, multiple dates of reporting, multiple dates reflecting for opening as well as last payment. 
XXXX XXXX XXXX ( XXXX ) Your CRA has no last verification date or closed date! The dates of last activity differ for EACH CRA, multiple dates of reporting, multiple dates reflecting for opening as well as last payment. There is also no notice of dispute reflecting on this account! 
XXXX ( XXXX ) Your CRA has no last verification date or closed date! The dates of last activity differ for EACH CRA, multiple dates of reporting, multiple dates reflecting for opening as well as last payment. There is also no notice of dispute reflecting on this account! 
XXXX XXXX XXXX ( XXXX ) Your CRA has no last verification date or closed date! The dates of last activity differ for EACH CRA, multiple dates of reporting, multiple dates reflecting for opening. 
XXXX ( XXXX ) Your CRA has no last verification date or closed date! The dates of last activity differ for EACH CRA, multiple dates of reporting, multiple dates reflecting for opening as well as last payment. 
XXXX XXXX ( XXXX ) Your CRA has no last verification date! The dates of last activity differ for EACH CRA, multiple dates of reporting, multiple dates reflecting for opening. 
XXXX XXXX ( XXXX ) Your CRA has no last verification date. The dates of last activity differ for EACH CRA, multiple dates of reporting. 
XXXX XXXX XXXX ( XXXX ) Your CRA has no last verification date. The dates of last activity differ for EACH CRA, multiple dates of reporting. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX THIS IS NOT A REQUEST TO HAVE ANY OF THE ABOVE INFORMATION " VERIFIED '' I HAVE GIVEN YOUR CRA PLENTY OF OPPORTUNITIES TO DO THAT. THIS IS A REQUEST TO HAVE YOUR CRA DELETE THE ABOVE INFORMATION FOR VIOLATING MY CONSUMER RIGHTS ON TOP OF FAILING TO MAINTAIN 100 % ACCURATE INFORMATION THAT YOU WERE NOT AUTHORIZED TO REPORT! 
If the CFPB continues to let these CRA 'S violate 15 U.S.C 1681n they all should be held liable.

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