Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: OK
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 attempted to contact these companies on two different occasions via mail and once over the phone to receive documents showing the account in question with signatures of all parties involved to validate the accounts and debts. I never received such documents or any type of follow ups from the companies. The accounts in question are XXXX XXXX XXXX XXXX  account number ending in XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX  account number ending in XXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX XXXX account number ending in XXXXXXXX XXXX/DEPT OF ED account number ending in XXXX XXXXDEPT OF ED account number ending in XXXX XXXXXXXX XXXX account number XXXX in XXXX XXXXXXXX XXXX  XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXXXXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXX XXXXXXXX XXXX XXXX would not provide me full account number nor documents as requested account number XXXX XXXX XXXX XXXX  would not provide me full account number nor documents as requested account number XXXX These are all the accounts I have individually inquired about and got as much information on. Again, I did request information on all these accounts via the mail TWICE and once over the phone and got no documents with signatures from all parties involved or heard any response to my inquiries. 

In accordance with the Fair Credit Reporting act. The List of accounts above 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.

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 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.

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. 


PleAW Hvw these accounts deleted off of my credit report.

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