Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: TX
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 Account # XXXX, 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. 

Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XXXX XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Credit limit XXXX XXXX  Monthly payment - Past due amount {$1400.00} Highest balance - Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, 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. 


Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold XXXX XXXX XXXX. 
Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$5600.00} Monthly payment - Past due amount {$0.00} Highest balance - Terms Revolving Responsibility Individual In accordance with the Fair Credit Reporting act Account # XXXX, 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. 

Account name XXXX XXXX  Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance {$5500.00} Balance updated XX/XX/XXXX Credit limit {$4800.00} Monthly payment - Past due amount {$5500.00} Highest balance - Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, 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. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XXXX XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} Monthly payment - Past due amount {$5300.00} Highest balance - Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, 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. 

Account name XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Credit limit {$6500.00} Monthly payment - Past due amount - Highest balance - Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, 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. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX Original amount {$4000.00} Monthly payment - Past due amount {$4000.00} Highest balance - Terms Unknown Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, 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. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Paid, was past due 150 days Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Credit limit {$4000.00} Monthly payment - Past due amount - Highest balance {$4000.00} Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, 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. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX BANK XXXX sold - Account type Collection Date opened XXXX XXXX, XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Original balance {$2000.00} Paid off 2 % Monthly payment - Past due amount {$2000.00} Terms 1 Month Responsibility Individual In accordance with the Fair Credit Reporting act Account # XXXX, 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. 

Account name XXXX XXXX XXXX Account number XXXX Original XXXX XXXX XXXX XXXX  XXXX XXXX. 
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Original balance {$8300.00} Paid off <1 % Monthly payment - Past due amount {$8300.00} Terms 1 Month Responsibility Individual In accordance with the Fair Credit Reporting act Account # XXXX, 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. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX  XXXX sold - Account type Debt Buyer Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$2100.00} Paid off <1 % Monthly payment - Past due amount {$2100.00} Terms 1 Month Responsibility Individual In accordance with the Fair Credit Reporting act Account # XXXX, 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. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX  XXXX sold - Account type Debt Buyer Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$6100.00} Balance updated XX/XX/XXXX Original balance {$6100.00} Paid off <1 % Monthly payment - Past due amount {$6100.00} Terms 1 Month Responsibility Individual Inquiries XXXX XXXXL Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX I got a letter from CFPB that I XXXX XXXX did not submit the complaint. 
This is to confirm that I XXXX XXXX submitted this complaint and the prior one. 
Please remove the illegally published accounts indicated above from my credit report.

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