Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act convergent accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX  XXXX XXXX -- Inquiry Date : XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX 3 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 4 ) XXXX/XXXX  -- Inquiry Date : XX/XX/XXXX 5 ) XXXX  XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX 6 ) XXXX  XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX 7 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 8 ) XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX 9 ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XXXX XXXX -- Inquiry Date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 12 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX The aforesaid creditors did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. 

In accordance with the fair credit reporting act convergent account : 1 ) XXXX XXXX XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ) 2 ) XXXX  XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ) 3 ) XXXX XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 4 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( ) were going to report delinquent.

As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.

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