Consumer complaint received 2022-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this account was ever late. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX ... .violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX .... 
Recent balance {$37.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit card Terms NA Credit limit or original amount {$300.00} High balance $ XXXX Monthly payment {$37.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Completed investigation of FCRA dispute - consumer disagrees.| XX/XX/XXXX | XX/XX/XXXX - XX/XX/XXXX Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX Account history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Payment history guide 30 days past due as of XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$0.00} / XX/XX/XXXX / {$0.00} / {$280.00} XX/XX/XXXX : {$380.00} / XX/XX/XXXX / {$40.00} / {$120.00} XX/XX/XXXX : {$490.00} / XX/XX/XXXX / {$40.00} / No data XX/XX/XXXX : {$440.00} / XX/XX/XXXX / {$40.00} / No data XX/XX/XXXX : {$350.00} / XX/XX/XXXX / {$40.00} / {$40.00} XX/XX/XXXX : {$180.00} / XX/XX/XXXX / {$40.00} / {$510.00} XX/XX/XXXX : {$290.00} / XX/XX/XXXX / {$40.00} / {$530.00} XX/XX/XXXX : {$240.00} / XX/XX/XXXX / {$40.00} / {$300.00} XX/XX/XXXX : {$430.00} / XX/XX/XXXX / {$40.00} / No data XX/XX/XXXX : {$320.00} / XX/XX/XXXX / {$40.00} / {$54.00} XX/XX/XXXX : {$310.00} / XX/XX/XXXX / {$40.00} / {$61.00} XX/XX/XXXX : {$310.00} / XXXX XXXX, XXXX / {$40.00} / No data XXXX XXXX : {$21.00} / XXXX XXXX, XXXX / {$21.00} / {$320.00} XX/XX/XXXX : {$290.00} / XX/XX/XXXX / {$40.00} / {$40.00} XX/XX/XXXX : {$160.00} / XX/XX/XXXX / {$40.00} / {$50.00} XX/XX/XXXX : {$78.00} / XX/XX/XXXX / {$40.00} / {$40.00} XX/XX/XXXX : {$100.00} / XX/XX/XXXX / {$40.00} / {$200.00} XX/XX/XXXX : {$300.00} / XX/XX/XXXX / {$40.00} / No data XX/XX/XXXX : {$160.00} / XX/XX/XXXX / {$40.00} / {$290.00} XX/XX/XXXX : {$330.00} / No data/ {$40.00} / No data XX/XX/XXXX : {$290.00} / No data/ {$40.00} / No data Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$300.00}

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