Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX, Consumer, and natural person, am aware of all rights that i have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). 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.

In accordance with the fair credit reporting act Convergent accounts, XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX5 U.S.C 1605 It states that the finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 


15 USC 1662 ( B ) Advertising of down payments and installments it states that No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX XXXX High Balance : {$3000.00} {$0.00} XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 15 U.S.C 1605 It states that the finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 


15 USC 1662 ( B ) Advertising of down payments and installments it states that No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$3000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022 : XXXXXXXX XXXX XXXXXXXX XX/XX/2022 : XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XX/XX/2022 : XXXX XX/XX/2022 : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/2022 : XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 : XXXX XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 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 explanation