Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: KY
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 the list of accounts below have violated my federally protected consumer report to privacy and confidentiality under 15 usc 1681 Account Name XXXX Account XXXX  XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$140.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$300.00} Highest Balance {$440.00} Terms NA On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$650.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 

Status Updated XX/XX/XXXX Balance {$180.00} Balance Updated XX/XX/XXXX Recent Payment $ 320 Monthly Payment {$0.00} XXXX XXXX - Highest Balance {$500.00} Terms 1 Months Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Voluntarily surrendered/Never late. {$900.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$900.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$10000.00} Highest Balance {$0.00} Terms 34 Months On Record Until XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2900.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$2900.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$2900.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint with XXXX XXXX XXXX Opened XX/XX/XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$22000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$410.00} Original Balance {$26000.00} Highest Balance {$0.00} Terms 75 Months Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$480.00} written off. {$480.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$480.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$300.00} Highest Balance {$480.00} Terms NA On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XX/XX/XXXX. 

Status Updated XXXX XXXX Balance {$660.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$660.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Secured Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$720.00} Highest Balance {$0.00} Terms 24 Months Account Name XXXX XXXX Account Number XXXX Account Type Cell Phone Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 

Status Updated XX/XX/XXXX Balance {$1600.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance - Highest Balance {$1600.00} Terms 1 Months On Record Until XXXX XXXX 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states a consumer reporting agency may not make any consumer report containing any of the following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 7 years 15usc 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any credit reporting agency if the person knows or has reasonable cause to believe that the info is inaccurate

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