Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: CA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX  Date of inquiry : XX/XX/XXXX Delete Immediately 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX  Date of inquiry : XX/XX/XXXX Delete Immediately 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX  Date of inquiry : XX/XX/XXXX Delete Immediately 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX  Date of inquiry : XX/XX/XXXX Delete Immediately 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXon on my credit report. Please remove XXXX  Date of inquiry : XX/XX/XXXX Delete Immediately 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 13. 15 U.S. Code 1681b XXXX XXXX Account Number : XXXX 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX  XXXX Account Number : XXXX Delete Immediately 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 20. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX Account Number : XXXX Delete Immediately 21. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX  XXXX Account Number : XXXX Delete Immediately 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX XXXX Account Number : XXXX Delete Immediately 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX XXXX Account Number : XXXX Delete Immediately 24. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX  Account Number : XXXX Delete Immediately 25. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 26. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account XXXX : XXXX Delete Immediately 27. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 28. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 29. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account XXXX : XXXX Delete Immediately 30. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXXXXXX XXXX Account Number : XXXX Delete Immediately 31. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX XXXX Account Number : XXXX Delete Immediately 32. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX XXXX Account Number : XXXX Delete Immediately, 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 can not furnish a account without my written instructions 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 - Congressional findings and statement of purpose States : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

I have sent numerous letters by mail and have not heard anything back. I have seen updates on my credit report in the comments that the accounts have been disputed and dispute resolved. But how can an account with inaccurate information still reporting be resolved by law! 

I have provided screen shots of the inaccurate information and request that this gets updated immediately! I also provided you with a my Government issued Id so this issue will not be delayed. Thank you.

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