Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: OH
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 have relentlessly tried to work with the reporting agency in regards to reporting my consumer report accurately and correctly. After pulling the latest copy of my Consumer credit report I noticed that Experian is in multiple violations regarding my consumer report and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed.

The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and reporting agency has failed to comply. 

XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX - XX/XX/2022 - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX CREDIT - XX/XX/2022 - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX - XX/XX/2022 - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXX XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. - Update to paid as agreed XXXX XXXX - XXXXnder 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed. 

NEW XXXX XXXX - XXXX XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account is in violation. - Update to paid as agreed. 

XXXX XXXXXXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed. 

XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed. 

CB/COMENITY - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

POSSIBLEFINA - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXXXXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

MONEYLION - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.

Under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated

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