Consumer complaint received 2023-10-24
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:
Statement 1 XXXX XXXX XXXX | Account # XXXX | Balance : {$960.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation. 

XXXX XXXX | Account # XXXX | Balance : {$230.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 

XXXX XXXX XXXX  | Account # XXXX | Balance : {$2400.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 

XXXX XXXX XXXX XXXX  | Account # XXXX | Balance : {$250.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 


Statement # 2 XXXX XXXX XXXX | Account # XXXX | Balance : {$960.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation. 

XXXX XXXX  | Account # XXXX | Balance : {$230.00} In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 

XXXX XXXX XXXX  | Account # XXXX | Balance : {$2400.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 

XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$250.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 


STATEMENT # 3 Experian XXXX XXXX  | Account # XXXX | Balance : {$960.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation. 

XXXX XXXX | Account # XXXX | Balance : {$230.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 

XXXX XXXX XXXX  | Account # XXXX | Balance : {$2400.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 

XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$250.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.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 an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same. 


INQURIES : ( Please remove for all three credit reporting agencies : XXXX, Experian, XXXX ) XXXX XXXX XXXX XXXX XXXX has violated my rights.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 an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice. 

XXXX XXXX XXXX XXXX XXXX has violated my rights.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 an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice. 

XX/XX/XXXX, XXXX has violated my rights.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 an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice. 

XXXX XXXX XXXX XXXX XXXX  has violated my rights.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 an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice. 

XXXX XXXX XXXX XXXX XXXX has violated my rights.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 an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice. 

NOTE : Please remove ANY subsequent inquires off my credit reports for Experian, XXXX, and XXXX be it a HARD INQUIRY or SOFT INQUIRY from XX/XX/XXXX to XX/XX/XXXX as my write to privacy has been violated by these inquires reflecting negatively or my consumer 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 explanation