Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
n 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. 

Account name : # XXXX XXXX XXXX Balance {$18000.00} Account number XXXX Balance updated XX/XX/XXXX Original creditor Original balance - {$21000.00} Company sold - Monthly payment - Account type Auto Loan Last Payment Date XX/XX/XXXX Date opened XX/XX/XXXX Past due amount {$18000.00} Open/closed Closed Terms 73 Months Status Responsibility Account charged off. {$18000.00} written off. Joint {$18000.00} past due as of XX/XX/XXXX. 
acct # Account name XXXX XXXX XXXX # XXXX Balance {$390.00} Account number XXXX Balance updated XXXX XXXX, XXXX Original creditor Original balance XXXX XXXX  XXXX {$200.00} Company sold - Monthly payment - Account type Note Loan Past due amount {$390.00} Date opened XX/XX/XXXX Terms 6 Months Open/closed Closed Responsibility Individual - Status Your statement Account charged off. {$260.00} written off. {$390.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX accr # Account info Account name XXXX XXXX XXXX Balance {$780.00} Account number XXXX Balance updated XXXX XXXX, XXXX Original creditor Original balance XXXX XXXX  {$780.00} Company sold - Monthly payment - Account type Debt Buyer Past due amount {$780.00} Date opened XX/XX/XXXX Terms 1 Month Status Collection account. {$780.00} past due as of XXXX XXXX. Responsibility Individual - Status updated Your statement XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Collection Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number ( XXXX ) XXXX Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Account name XXXX XXXX XXXX Balance {$780.00} Account number XXXX Balance updated XXXX XXXX, XXXX Original creditor Paid off XXXX XXXX 0 % Company sold - Monthly payment - Account type Open Account Past due amount {$780.00} Date opened XX/XX/XXXX Terms - Status - Responsibility Individual Account - Status updated Your statement XXXX XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C XXXX C XXXX XXXX - Your statement Unknown payment history Balance updated - Account info Account name - Balance {$910.00} Account number XXXX Balance updated - Original creditor Paid off - 0 % Company sold - Monthly payment - Account type Collection Account Past due amount - Date opened XX/XX/XXXX Terms - Status Unpaid Responsibility Individual Account - 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.

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