Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: NJ
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 asked the credit bureaus to do a verification of everything on my credit report on which it was done, credit bureaus stated that some accounts were accurate, verified some were deleted, I did a thorough research of my credit report and found improper inaccuracies on my credit report after the credit bureaus did a thorough research. 

My new address is XXXX XXXX XXXX XXXX NJ, XXXX my previous is address is XXXX XXXX XXXX XXXX ny XXXX there address being reported that I am no longer associated with like for example - XXXX XXXX XXXX XXXX ny XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXXXXXX XXXX All addresses on with im no longer associated with there are being reported on my personal information of all 3 credit bureaus. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX but is not reported on XXXX is shows that last date active on XXXX XX/XX/XXXX and on Experian XX/XX/XXXX the comments are completely different on bureaus XXXX XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on transunion but is not reported on XXXX and Experian is completely blank is shows that last date active on transunion XX/XX/XXXX. 

XXXX XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX and XXXX but it shows that last date active on XXXX XX/XX/XXXX on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX COMPLETLY DIFFERENT the comments are completely different on bureaus XXXX ( Original Creditor : XXXX  ) In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian but is not reported on XXXX and Experian is shows that last date active on transunion XX/XX/XXXX there is no information on XXXX and XXXX. 

XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on transunion but is not reported on XXXX and Experian is shows that last date active on transunion XX/XX/XXXX. 

XXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX and XXXX it shows that last date active on XXXX XX/XX/XXXX on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX last reported date is as follows XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XXXX XX/XX/XXXX the comments are completely different on bureaus XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on transunion but is not reported on XXXX or Experian is shows that last date active on transunion XX/XX/XXXX. 

XXXX XXXX XXXX with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX but is not reported on XXXX It shows that last date active on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX last reported date is as follows Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( NONE ) the comments are completely different on bureaus XXXX XXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian only but is not reported on transunion and XXXX is shows that last date active on transunion XX/XX/XXXX. 

XXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX and XXXX but it shows that last date active on transunion XX/XX/XXXX and on Experian XX/XX/XXXX and XXXX XX/XX/XXXX the comments are completely different on bureaus. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on XXXX ONLY it shows that last date active on XXXX XX/XX/XXXX. 

XXXX XXXX XXXX ( Original Creditor ; XXXX XXXXXXXX XXXX XXXXXXXX ) In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX and XXXX it shows that last date active on transunion XX/XX/XXXX and on Experian XX/XX/XXXX and XXXX XX/XX/XXXX, last day reported are as follow transunion XX/XX/XXXX Experian XX/XX/XXXX equifax XX/XX/XXXX the comments and payment status are completely different on bureaus. 

XXXX  In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX but is not reported on XXXX it shows that last date active on Experian XX/XX/XXXX and on XXXX XX/XX/XXXX last reported date are as follow Experian XX/XX/XXXX and XXXX XX/XX/XXXX the comments are completely different on bureaus XXXXXXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX but is not reported on XXXX it shows that last date active on transunion XX/XX/XXXX and on Experian XX/XX/XXXX the comments and payment stats are completely different on bureaus. 

XXXX XXXX  In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX but is not reported on XXXX it shows that last date active on XXXX XX/XX/XXXX and on Experian XX/XX/XXXX the comments and payment status are completely different on bureaus XXXX XXXX  In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX and XXXX it shows that last date active on XXXX XX/XX/XXXX and on Experian XX/XX/XXXX and XXXX XX/XX/XXXX, Last Reported date are as follow XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX the comments and payment status are completely different on bureaus XXXX In Accordance with the fair credit reporting act XXXX  account # 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 a account without my written instructions is reported on Experian and XXXX but is not reported on XXXX is shows that last date active on transunion XX/XX/XXXX and on Experian XX/XX/XXXX the comments are completely different on bureaus. 

Along with this complaint Ive attached my latest credit report where I circled where all the improper inacuracies are.

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