Consumer complaint received 2023-08-12
Company: Experian Information Solutions Inc.
State: MI
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights. I want to emphasize that I never actually occupied the apartment for which I am being unjustly charged. Despite this, the apartment 's cost is affecting my credit report, and I have made multiple attempts to contest this with the relevant company. Their assertion that we reached a resolution is false, as no agreement was genuinely reached. I insist that the {$8300.00} collection by XXXX XXXX XXXX XXXX be promptly eradicated. The basis for this demand stems from fabricated claims of tenancy, as I never moved into the apartment. It's critical to note that no evidence has been presented to validate my occupancy there, despite my repeated requests for such proof. The actions of XXXX XXXX XXXX not only involve fraudulent activities but also jeopardize my well-being due to the unwarranted credit report, which is the sole obstacle preventing me from securing a safe living space. 

XXXX XXXX XXXX XXXX XXXX  ) has egregiously infringed upon my rights by incorrectly reporting 12 instances of late payments. This erroneous reporting has had a significant negative impact on my credit score, thereby impeding my ability to secure housing and obtain credit. Notably, this pertains to a school loan, which by its nature should not have been disclosed publicly without my explicit consent. Furthermore, given that I was actively enrolled in school during the relevant period, my loan should have incurred a XXXX monthly payment. 

I engaged in a conversation with a representative from XXXX XXXX who advised me to initiate a dispute in order to rectify this situation. I was assured that the late payments would be rectified and the account would be restored to good standing, rather than having 12 late payments inaccurately reflected on my credit history. I beseech that these unwarranted late payment entries be expeditiously expunged from my credit report. It's essential to underscore that my debt has since been consolidated and is no longer associated with XXXX XXXX 

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 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 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