Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX Credit Report Dispute By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan. 

Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.

Inaccurate accounts which are preventing me from getting home credit loans 1. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete. 
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete. 
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed. 
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed. 
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed. 
XXXX. XXXX XXXX XXXX XXXX  was not authorized and must be removed. 
XXXX. XXXX XXXXXXXX # XXXX shows inaccurate payment history and closure and must be removed. 
My Rights : 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================================ XXXX By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan.

Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.

Inaccurate accounts which are preventing me from getting home credit loans XXXX. Account XXXX XXXX XXXX  ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ). 
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ). 
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ). 
XXXX. Account No : XXXXXXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ). 
XXXX. Account No : XXXX XXXX XXXX$680.00}. ( XXXX creditor not available ) This must be removed as inaccurate and incomplete. 
XXXX. Account No : XXXX XXXX ( XXXX creditor not available ). This must be removed as inaccurate and incomplete. 
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed. 
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed and this account was satisfied. 
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed. 
XXXX. XXXX XXXX XXXX XXXX was not authorized and must be removed. 
XXXX. XXXX XXXXXXXX # XXXX shows inaccurate payment history and closure and must be removed. 
My Rights : XXXX5 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX ================================== Experian By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan.

Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.

Inaccurate accounts which are preventing me from getting home credit loans XXXX. Account XXXX : XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ). 
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ). 
XXXX. Account No : XXXX XXXX  ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).

4. Account No : Other Accounts ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ). 
XXXX. Account No : XXXXXXXX XXXX {$680.00}. ( 0riginal creditor not available ) This must be removed as inaccurate and incomplete. 
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available ). This must be removed as inaccurate and incomplete. 
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed. 
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed and this account was satisfied. 
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed. 
XXXX. Account XXXX XXXX XXXX  was not authorized and must be removed. 
XXXX. XXXX XXXXXXXX # XXXX shows inaccurate payment history and closure and must be removed. 



My Rights : 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate. 
Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS 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 explanation