Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 am officially asking XXXX and Experian to review your data reporting on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611, I challenge all inaccuracies in my credit reporting. My profile shall be accurate, authentic, complete, and with timely verification by you of each piece within my credit report. The information in my credit report and below is not accurate. 

I did not give authorization to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get my information. They are a third party and I never received information from the original creditor letting me know that they were sending information to a third party. When I wrote each collection agency to get signed documents showing that I gave them authorization. They never sent it to me. 

I launched 3 Credit Reporting Investigations on the same day of XX/XX/2023. please see below My complaints XXXX XXXX XXXX XXXX reporting Improper use of your report XXXX XXXX XXXX XXXX XX/XX/2023 XXXX Company responded XXXX XXXX XXXX XXXX reporting Improper use of your report Experian credit bureau XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting Improper use XXXX XXXX report XXXX Credit Bureau XX/XX/2023 Closed Company XXXX XXXX Report XXXX XXXX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reported on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : TRADE DISPUTE TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. TRADE : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTIONS DISPUTE COLLECTION : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. COLLECTION : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES COLLECTION : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. COLLECTION : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. COLLECTION : XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. 

My question is how can the negative unverified collection account mentioned above be removed by XXXX but XXXX and Experian Credit Reporting agencies continue to report the false, invalidated, and negative accounts which are greatly affecting my credit negatively? I have a right to privacy and I have a right to have accurate and complete information reporting on my credit files.

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