Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: NJ
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 has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX Utility company with account XXXX  XXXX opened on XX/XX/XXXX and a balance of {$120.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

2 XXXX XXXXCellular with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

3 Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$490.00}. The original creditor is XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

4. Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

5. Public Record from a XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this public record. Please provide proof from the court of this public record. 

6. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

7. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

8. Inquiry from XXXX on XXXXI dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

9 There should only be one address on file which should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses. 

10. There should only be one Name on file XXXX XXXX. Please delete all other names. 



In accordance with the Fair Debt Collection Practice Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 or 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.

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