Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: TN
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 Reproting Act. The following accounts ; has violated my rights XXXX XXXX XXXX Balance updatedXXXX XXXX, XXXX Original balance {$7300.00} Account numberXXXX  Open/closedClosed Date openedXXXX  XXXX, XXXX Status updatedXXXX XXXX Past due amount- Original balance {$7300.00} XXXX XXXX  XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$7500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1800.00} Original balance {$7500.00} XXXX XXXX XXXX Balance updated XX/XX/XXXX Original balance -Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX  XXXX Balance {$400.00} Balance Updated XX/XX/XXXX Credit limit {$300.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card Charge-off Status updated XX/XX/XXXX Past due amount {$400.00} XXXX  XXXX/XXXX  Balance Updated XX/XX/XXXX Credit limit {$300.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card Charge-off Status updated XX/XX/XXXX XXXX XXXX Balance Updated XX/XX/XXXX Credit limit {$750.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$560.00} Balance Updated XX/XX/XXXX Credit limit {$500.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX Balance Updated XX/XX/XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX Balance details Paid off - Balance - Balance updated XX/XX/XXXX Original balance {$7300.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Status updated XX/XX/XXXX Original balance {$7300.00} XXXX XXXX  XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$7500.00} Account info Account number XXXX Date opened XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1800.00} Original balance {$7500.00} CHXXXX XXXX XXXX Balance updated XX/XX/XXXX Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  Balance {$670.00} Balance updated XX/XX/XXXX Original balance {$670.00} Account number XXXX Date opened XX/XX/XXXX Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX 
Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
Balance {$890.00} Balance updated XX/XX/XXXX Original balance {$890.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$750.00} Balance updated XX/XX/XXXX Original balance {$660.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details 0 % paid off Balance {$2500.00} Balance updated XX/XX/XXXX Original balance {$2500.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX A Balance {$280.00} Balance updated XX/XX/XXXX Original balance {$280.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$350.00} Balance updated XX/XX/XXXX Original balance {$310.00} Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Violation under 15 U>S>C 1681Section ; 602A states I have the right to privacy under 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. It also states that these account have been varified. How is that possible if they didnt do a proper investigation according to the law. Literally every piece of information are still not reporting 100 % accurate. According to FRCA 15 USC 1681everything has to report 100 @ % accurate.

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