Consumer complaint received 2022-08-23
Company: Experian Information Solutions Inc.
State: UT
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 the following accounts have violated my consumer rights. 

XXXX. ) XXXX - Account # XXXX Remove Late Payments reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. ) XXXX - Account # XXXX Remove XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX - Account # XXXX Remove XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX - Account # XXXX Remove XXXX XXXX XX/XX/XXXX XXXX. ) XXXX - Account # XXXX Delete Account, this account is still reporting activity when it is closed and the dates of last activity are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX. ) XXXX XXXX XXXX Account # XXXX Delete Account, this account is still reporting activity when it is closed and the dates of last activity are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX. ) XXXX - Account # XXXX Remove Late Payments XX/XX/XXXX, XX/XX/XXXX Update Payment Status to Current XXXX. ) XXXX - Account # XXXX Remove Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX. ) XXXX - Account # XXXX Delete Account, this account is still reporting activity when it is closed and the dates of last activity are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX. ) XXXX - Account # XXXX Delete Account, dates of last activity are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and date of last payment is reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX. ) BANK XXXX XXXX - Account # XXXX Delete Account, reporting different account numbers and dates of last activity are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX. ) XXXX - Account # XXXX Delete Account, Dates of last activity reporting XX/XX/XXXX, XX/XX/XXXX XXXX. ) XXXX XXXX XXXX - Account # XXXX Delete Account, balance is reporting {$260.00}, {$250.00} and date of last activity is reporting XX/XX/XXXX, XX/XX/XXXX. 

XXXX. ) XXXXXXXX XXXX XXXX - Account # XXXX Delete Account XXXX. ) UNKNOWN ACCOUNT - Account # XXXX Delete Account, no name of furnisher XXXX. ) XXXX XXXX XXXX Account # XXXX Remove late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. ) XXXX XXXX - Account # XXXX Delete account, reporting as a collection/charge-off when the account is paid. 

XXXX. ) XXXX - Account # XXXX Remove late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX U.S.C 1681sXXXX ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C section 604 A ( XXXX ). States a consumer reporting agency can not furnish without my written instructions.

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