Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: MS
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 1681 section 602 A. States I have the right to privacy.

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.

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX XXXX accounts on your report show past due and could use your attention. 
Total open balances {$17000.00} How did we get this info? 
XXXX XXXX {$11.00} Collections {$2100.00} Student Loans {$15000.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} XXXX XXXX {$11.00} Reported balance XXXX XXXX XXXX XXXX  {$11.00} On time Show XXXX closed account A personal loan could help you pay off your debt faster or cover a big expense. 
Learn more COLLECTIONS {$2100.00} Reported balance Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score. 
XXXX XXXX XXXX XXXX {$1100.00} Needs attention XXXX XXXX XXXX XXXX {$660.00} Needs attention XXXX XXXX XXXX XXXX {$120.00} Needs attention XXXX XXXX XXXX XXXX {$100.00} Needs attention XXXX XXXX XXXX XXXX {$90.00} Needs attention XXXX XXXX XXXX XXXX {$15000.00} Reported balance US DEPT. OF EDUCATIONXXXX {$15000.00} On time OTHER LOANS {$0.00} Reported balance Show XXXX closed accounts AUTO LOANS {$0.00} Reported balance Show XXXX closed account XXXX accounts on your report show past due and could use your attention. 
Total open balances {$18000.00} How did we get this info? 
Credit Cards {$11.00} Collections {$2600.00} Student Loans {$15000.00} Other Loans {$0.00} Auto Loans {$0.00} Home Loans {$0.00} CREDIT CARDS {$11.00} Reported balance XXXX XXXX {$11.00} On time Show XXXX closed account A personal loan could help you pay off your debt faster or cover a big expense. 
Learn more COLLECTIONS {$2600.00} Reported balance Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score. 
XXXX XXXX XXXX XXXX {$1100.00} Needs attention XXXX XXXX XXXX XXXX {$660.00} Needs attention XXXX XXXX XXXX$510.00} Needs attention XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Needs attention XXXX XXXX XXXX XXXX {$100.00} Needs attention XXXX XXXX XXXX XXXX {$90.00} Needs attention XXXX XXXX XXXX XXXX {$15000.00} Reported balance US DEPT. OF EDUCATIO {$15000.00} On time OTHER LOANS {$0.00} Reported balance Show XXXX closed accounts AUTO LOANS {$0.00} Reported balance Show XXXX closed account

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