Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: IL
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 XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX has violated my consumer rights by reporting inaccurate information across my Experian consumer credit bureau. 
I would like this inaccurate account to report PAID ON-TIME, NEVER LATE on my credit report. I've always made my payments on time, XX/XX/XXXX should be corrected. And the account is currently open so the last day active should be updated as well. 15 U.S.C 1681a : States I have the right to privacy.

15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX XXXX credit bureaus. 
I would like this fraudulent account removed from my credit report immediately. I as the consumer never applied for an account or line of credit with this company or partners. This account was opened without my authorization, its fraudulent. Company not legally able to collect debt in my state. 
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and consumer credit bureaus. 
I would like this fraudulent account removed from my credit report immediately. I as the consumer never applied for an account or line of credit with this company or partners. This account was opened without any of my authorization, its fraudulent. Also the last day active on this account is inaccurate across my credit bureaus. Company not legally able to collect debt in my state. 
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  has violated my consumer rights by reporting inaccurate information across my XXXX consumer credit bureau. 
I would like this inaccurate account to report PAID ON-TIME, NEVER LATE on my credit report. I've always made my payments on time, XX/XX/XXXX - XX/XX/XXXX should be corrected. It shouldn't say 120 days late for every month that's completely inaccurate. 
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) has violated my consumer rights by reporting fraudulent information across my XXXX and consumer credit bureaus. 
I would like this fraudulent account removed from my credit report immediately. I as the consumer never applied for an account or line of credit with this company or partners. This account was opened without any of my authorization, its fraudulent. Also the last day active on this account is inaccurate across my credit bureaus. Company not legally able to collect debt in my state. 
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX XXXX credit bureaus. 
I as the consumer never agreed to any contract or promise with this company. would like this fraudulent account removed from my credit report immediately. Company not legally able to collect debt in my state. 
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian, XXXX and XXXX XXXX credit bureaus. 
I as the consumer never agreed to any contract or promise with this company. would like this fraudulent account removed from my credit report immediately. Company not legally able to collect debt in my state. 
15 U.S.C 1681a : States I have the right to privacy. 15 U.S.C 1681a Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : States that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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