Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company Experian has furnished on my report. I have listed the items I would like to dispute. 

Account number XXXX ( XXXX XXXX XXXX ) Account number XXXX XXXX XXXX XXXX Account Number XXXX Preferred Lease pursuant to 15 U.S.C. 1681a the term consum- er report does not include ; 15 U.S.C . 1681a ( 2 ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 usc 1681 ( a ) ( 4 ) XXXX states that consumer reporting agencies must be impartial. Why would XXXX state this in the congressional findings? Because they are well aware that the consumer reporting agencies are extremely partial. How so? When something is reported they conduct their investigation based off of XXXX side of the story XXXX. The " creditor '' or debt collector. I am requesting that Experian have the item removed. 

15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I also request that these inquiries listed below to be removed pursuant to the 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ; 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX Furnishing knowingly fraudulent information, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to 5 yrs, or both.

Please reinvestigate this matter and contact the national credit bureaus to have them delete or correct the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX

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