Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status 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 under 15 USC 1681.

Below I have attached all three credit bureau accounts that are reporting inaccurate and negative information which prevents me from purchasing a home. XXXX XXXX XXXX XXXX
disputed on XXXX XXXX XXXX
5 Late Payment Deleted

XXXX XXXX XXXX XXXX XXXX
3 Late Payment
Inaccurate/incomplete 

XXXX XXXX XXXX
2 Late Payment
Inaccurate/incomplete 

XXXX XXXX XXXX

XXXX XXXX
5 Late Payment
Inaccurate/incomplete

XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete 
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete

Item disputed on XXXX
5 Late Payment Inaccurate/incomplete
 Item disputed on XXXX
5 Late Payment
Inaccurate/incomnlete <
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete 
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete
_ Item disputed on XXXX  5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete
L Item disputed on XXXX
5 Late Payment Inaccurate/incomplete
2 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete
5 Late Payment Inaccurate/incomplete
Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
3 Late Payment Inaccurate/incomplete
Item disputed on XXXX
3 Late Payment Inaccurate/incomplete
Collection
Inaccurate incomplete

Item disputed on 0XXXX


XXXX XXXX	Inquiry	


XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX XXXX	Collection	


XXXX XXXX	Collection XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX  Collection	
 Item disputed on XXXX


XXXX XXXX XXXX	Collection	
 Item disputed on XXXX XXXX XXXX XXXX	Collection	
 Item disputed on XXXX XXXX XXXX XXXX	Collection	


XXXX XXXX	4 Late Payment	


XXXX XXXX	5 Late Payment	


XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX	3 Late Payment	


XXXX XXXX XXXX	Charge Off	


XXXX XXXX XXXX	Charge Off XXXX XXXX XXXX	Charge Off	


XXXX XXXX XXXX	Charge Off	
 Item disputed on XXXX XXXX XXXX XXXX XXXX)	3 Late Payment	
 Item disputed on XXXX XXXX XXXX XXXX	2 Late Payment	


XXXX XXXX XXXX	4 Late Payment XXXX XXXX XXXX	4 Late Payment	


XXXX XXXX XXXX	2 Late Payment	


XXXX XXXX XXXX XXXX	3 Late Payment	


XXXX XXXX XXXX XXXX	3 Late Payment	


XXXX XXXX XXXX	4 Late Payment	


XXXX XXXX XXXX	3 Late Payment	

XXXX XXXX XXXX XXXX XXXX	Collection	
 Item disputed on XXXX XXXX XXXX XXXX	Collection	Deleted


XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX XXXX XXXX XXXX	Charge Off	


XXXX XXXX	5 Late Payment	


XXXX XXXX	5 Late Payment	
 Item disputed on 0XXXX XXXX XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX)	4 Late Payment	
 Item disputed on XXXX XXXX XXXX	Charge Off	


XXXX XXXX	Charge Off	


XXXX XXXX XXXX	Charge Off	


XXXX XXXX XXXX	2 Late Payment	


XXXX XXXX XXXX XXXX	3 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX  5 Late Payment	
 Item disputed on XXXX XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX)	5 Late Payment	
 Item disputed on XXXX XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX)	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX)	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX XXXX	5 Late Payment	


XXXX XXXX XXXX	Collection	


XXXX XXXX XXXX	3 Late Payment	


XXXX XXXX XXXX XXXX	Charge Off	
 Item disputed on XXXX XXXX XXXX XXXX XXXX XXXX	4 Late Payment	


XXXX XXXX XXXX XXXX	3 Late Payment	
 Item disputed on XXXX  

XXXX XXXX XXXX	Settlement Accepted	


XXXX XXXX XXXX	4 Late Payment	



The inaccurate late payments has violated my rights.


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 cannot 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

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