Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: TX
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 writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX Charge Card with account # XXXX opened on XXXXand a balance of {$0.00}. 
Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX XXXX  Charge Card with account # XXXX opened onXX/XX/XXXX and a balance of {$200.00}. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 
XXXX Charge Card with account # XXXX opened on XX/XX/XXXXand a balance of {$430.00}. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 
XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXXand a balance of {$0.00}.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$450.00}.

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$420.00}. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 
XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX onXX/XX/XXXX 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX.

There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXXXXXX XXXX on XX/XX/XXXX.

There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

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