Consumer complaint received 2022-11-05
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:
After reading over the last year to do my part to clean up my credit I have reach out to this website to help my use my consumer rights to help me with this process. I want to thank the CFPB for this platform and data and information. I was going over my credit report over this process and looking at all the inaccuracies on my credit report which I will put in a download file at the end of this dispute letter to the CFPB.I found out this through the FAIR CREDIT REPORTING ACT and in accordance with the Fair Credit Reporting act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  I XXXX, XXXX XXXX, XXXX XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

I have the right to have my personal information and consumer credit transaction my personal business that is between me and the " Person '' that I extend my credit too.

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 I have NEVER sent any of the consumer reporting agency ; XXXX, EXPERIAN, and or XXXX my written consent to plublish any of my consumer transctions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

I have no crimes against me and I have the right again, to not have anything on my credit report that does not to do with the reporting of crimimal conviction in my credit report.This is backs up by ( 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I will attach the file of my current Credit Report with the inaccuracies circled with all Three credit reporting agency.I have learned throughts the CFPB data base reseach that the credit reporting agency HAVE A VITAL RESPONSIBILITY TO REPORT 100 % FAIR AND ACCURATE INFORMATION BECAUSE ANY INACCURATE INFORMTION REPORTED COULD DAMAGE WAY OF LIFE THROUGH MY CREDIT.I thank you CFPB for you time and effort to help the consumer.

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