Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Original creditor : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Original creditor : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX Original creditor : XXXXXXXX XXXX XXXX  account number : XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( XXXX did not have any written instructions or consent from me the consumer to furnish any form of account to my credit report ) XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
( Company did not uphold my rights to privacy as a consumer. Giving out my personal medical information to outside parties as well as furnishing accounts on my report for others to veiw.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( Credit bureau has inaccuracy accounts information on each bureau XXXX Experian XXXX. Different dates, different account balances, different dates opened and closed, different payment history ) 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( debt collectors have deliberately harassed me by phone calls and emails insisting i owe them a debt and saying I have to pay without any proof or validation of the debt. they have harassed me at all hours of the day and night, even while in at work or church. they have send letters to various addresses demanding for payment with no proof of address or validation of the debt by contract. ) 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( I have asked several times for proof if debt by contract and proof of name and address. I have received no form of proof within a 30 day period from any of the debt collectors or account holders. )

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