Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act, everything has to be XXXX correct on my Credit Report. The Credit Bureaus stated my account was properly investigated but how is that possible if the dates open isn't accurate, the last active date is inaccurate and the last date reported is inaccurate and the amount due or past due is inaccurate. That is grounds for removal of all accounts and they have also violated my rights under the 15 USC 1681 Section 602 A Section states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that consumers reporting agencies can not furnish my account with out written permission. 

I haven't given any written permission to these accounts to be furnished on my credit report. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Credit Card ) Balance on XX/XX/XXXX : {$410.00} ( inaccurate ) I am in good standing Account number : XXXX Date opened : XX/XX/XXXX XXXX. XXXX  Balance on XX/XX/XXXX : {$0.00} Account number : XXXX Account status : Closed Date opened : XX/XX/XXXX * My card insurance paid this off and they still will not remove it off my credit* 3. XXXX XXXX XXXXXXXX : Balance on XX/XX/XXXX : {$6200.00} Account number:XXXX Status : Closed Date opened : XX/XX/XXXX Account type : Auto Loan Status : Repossession Status date : XX/XX/XXXX Past due amount : {$6200.00} *They told me that the car was paid off buy their insurance because I was almost done paying for it, the car was totaled. Once I gave them the car back they sold it. I still had the car, pictures will be below* Company sold the vehicle XXXX Balance on XX/XX/XXXX : {$1900.00} ( inaccurate amount ) Account number : XXXX Account status : Open Date opened : XXXX XXXX, XXXX Status : Current ( showing late payments on all of the XXXX major credit Bureaus ) 5. XXXX XXXX Balance on XX/XX/XXXX : {$1000.00} ( insurance paid off because they granted me a goodwill forgiveness due to Covid when ask to take it off my credit they put it in bad standing ) Account number : XXXX Account Status : Closed Date opened : XX/XX/XXXX Status : Charge-off XXXX XXXX XXXX  Balance of this account is paid off Balance on XX/XX/XXXX : {$490.00} Account number : XXXX Account status : Closed Date opened : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Original creditor : XXXX Account number : XXXX Date opened : XXXX XXXX, XXXX Account type : Collection Status date : XXXX XXXX ( in accurate ) * This account originally was with XXXX and now since they sold my info they have given it a new open date* XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX XXXX *Account is paid off* Balance on XX/XX/XXXX : {$590.00} Original balance : {$590.00} Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer ( Inaccurate and my information was sold with without my consent to a debit buyer ) ** My actions for all items on my report and those that is shown above is as follow : -Reported the inaccurate amounts and dates to all 3 Major Credit Bureaus -Disputed all that I felt was inaccurate -Written letters to all 3 Major Credit Bureaus about the inaccuracies -Call all Credit Bureaus and spoke with representatives -Written Goodwill Letters -Also written to the so called Secondary or third party vendors affiliated with the 3 Major Credit Bureaus

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