Consumer complaint received 2022-05-17
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:
on. for 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 XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. 
XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXX Account # XXXX Date Opened:XXXX Balanc

e : {$7 30.00} 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

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