Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
While checking my recent consumer report I noticed my private business between companies and myself has my nonpublic personal information, transactions and experiences, in the form of payment history, balances, personal information regarding account, etc. from the following companies listed below WITHOUT MY EXPRESS WRITTEN CONSENT. I contacted Experian and told them that information in the tradelines listed is prohibited by law when the consumer doesnt provide consent and they should update all information immediately because they use of my nonpublic personal information provided to Experian without my written consent is damaging my character, reputation as well as causing me mental anguish. They told me they would send me my credit file in 7 days The nonpublic personal information as follows : XXXX XXXX XXXX Account Number XXXX Credit Limit {$2500.00} Highest Balance {$1000.00} Payment history guide 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$240.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$240.00} {$20.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$240.00} {$20.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$240.00} {$20.00} {$850.00} on XX/XX/XXXX XX/XX/XXXX {$50.00} {$5.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$50.00} {$5.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$50.00} {$5.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$50.00} {$5.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$50.00} {$5.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$50.00} {$5.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$50.00} {$5.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$50.00} {$5.00} {$5.00} on XX/XX/XXXX XX/XX/XXXX {$55.00} {$5.00} {$5.00} on XX/XX/XXXX Additional info Between XXXX XXXX and XX/XX/XXXX, your credit limit/high balance was {$2500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$750.00} XXXX XXXX XXXX Account Number XXXX Original Balance {$10000.00} Status Account charged off. {$6800.00} written off. 

Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 180 days past due as of XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XXXX XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX XXXX Original Balance {$6000.00} Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$5600.00} {$180.00} {$280.00} on XX/XX/XXXX XX/XX/XXXX {$5800.00} {$180.00} {$290.00} on XX/XX/XXXX XX/XX/XXXX {$6000.00} {$180.00} {$280.00} on XX/XX/XXXX XX/XX/XXXX {$5900.00} {$180.00} {$240.00} on XX/XX/XXXX Additional info The original amount of this account was {$6000.00} XXXX Account Number XXXX Responsibility Joint with XXXX XXXX XXXX Status Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 

Balance {$11000.00} Original Balance {$10000.00} Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$11000.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$300.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$300.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$11000.00} {$300.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$10000.00} {$300.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$10000.00} {$300.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$10000.00} {$300.00} {$310.00} on XX/XX/XXXX XX/XX/XXXX {$10000.00} {$300.00} {$310.00} on XX/XX/XXXX XX/XX/XXXX {$10000.00} {$300.00} {$310.00} on XX/XX/XXXX XX/XX/XXXX {$10000.00} {$300.00} {$600.00} on XX/XX/XXXX XX/XX/XXXX {$10000.00} {$300.00} {$300.00} on XX/XX/XXXX XXXX XXXX {$10000.00} {$300.00} {$370.00} on XX/XX/XXXX XX/XX/XXXX {$10000.00} {$300.00} {$0.00} XX/XX/XXXX {$10000.00} {$300.00} {$0.00} The original amount of this account was {$10000.00} XXXX XXXX XXXX Account Number XXXX Balance {$460.00} Original Balance {$400.00} Status Collection account. {$460.00} written off. {$460.00} past due as of XX/XX/XXXX. 

Payment history guide Charge Off as of XX/XX/XXXX Collection as of XX/XX/XXXX to XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$460.00} {$0.00} {$0.00} XX/XX/XXXX {$460.00} {$0.00} {$0.00} XX/XX/XXXX {$460.00} {$0.00} {$0.00} XX/XX/XXXX {$460.00} {$0.00} {$0.00} XXXX XXXX {$460.00} {$0.00} {$0.00} XX/XX/XXXX {$460.00} {$0.00} {$0.00} XX/XX/XXXX {$460.00} {$0.00} {$0.00} XX/XX/XXXX {$460.00} {$0.00} {$0.00} XX/XX/XXXX {$460.00} {$240.00} {$0.00} XX/XX/XXXX {$460.00} {$240.00} {$0.00} XX/XX/XXXX {$460.00} {$240.00} {$0.00} XX/XX/XXXX {$460.00} {$240.00} {$0.00} XX/XX/XXXX {$460.00} {$240.00} {$0.00} Additional info The original amount of this account was {$400.00} XXXX XXXX XXXX Account Number XXXX Status Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 

Balance {$440.00} Credit Limit {$300.00} Highest Balance {$440.00} Payment history guide Charge Off as of XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XXXX XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XXXX XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$0.00} {$0.00} Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$300.00} XXXX XXXX Account Number XXXX Status Closed. {$440.00} written off Credit Limit {$300.00} Highest Balance {$440.00} Payment history guide Charge Off as of XXXX XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$440.00} {$0.00} {$0.00} XX/XX/XXXX {$440.00} {$41.00} {$0.00} XX/XX/XXXX {$380.00} {$41.00} {$0.00} XX/XX/XXXX {$330.00} {$41.00} {$0.00} Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$300.00} U.S. DEPARTMENT OF EDUCATION Account Number XXXX Balance {$2500.00} Original Balance {$2500.00} Payment history guide Collection as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX By XX/XX/XXXX, this account is scheduled to go to a positive status. 

Balance Histories Date Balance Scheduled Payment Paid XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XXXX XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX XX/XX/XXXX {$2500.00} {$0.00} {$0.00} on XX/XX/XXXX Additional info The original amount of this account was {$2500.00}

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