Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXX XXXX Bank Credit Cards XX/XX/2023 Experian XXXX Commercial Banks XX/XX/2023 XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/2023 Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/2023 Experian XXXX Commercial Banks XX/XX/2023 XXXX XXXX XXXX Bank Credit Cards XX/XX/2023 XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/2023 Experian XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/2023 XXXX XXXX XXXX Commercial Banks XX/XX/2023 XXXX XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX Auto Financing XX/XX/2023 XXXX XXXX Auto Loans XX/XX/2023 XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/2023 Experian XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX XXXX Credit Unions XX/XX/2023 Experian XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX Auto Dealers, New XX/XX/2023 XXXX XXXX Auto Financing XX/XX/2023 XXXX XXXX Auto Financing XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX Credit Unions XX/XX/2023 XXXX XXXX Sales Financing XX/XX/2023 XXXX XXXX XXXX Finance Collection XX/XX/2023 XXXX XXXX All Banks XX/XX/2023 Experian XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX All Banks XX/XX/2023 Experian XXXX XXXX XXXX Bank Credit Cards XX/XX/2023 Experian XXXX XXXX Bank Credit Cards XX/XX/2023 XXXX XXXX All Banks XX/XX/2023 Experian XXXX XXXX XXXX XXXX Installment Loans XX/XX/2023 Experian XXXX XXXX Credit Unions XX/XX/2023 XXXX XXXX XXXX Credit Unions XX/XX/2023 XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/2023 Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX Auto Financing XX/XX/2023 XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/2023 Experian XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX Installment Loans XX/XX/2023 XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/2023 XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/2023 Experian XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX Auto Financing XX/XX/2023 XXXX XXXX XXXX Auto Dealers, New XX/XX/2023 XXXX XXXX XXXX XXXX All Banks XX/XX/2023 Experian XXXX XXXX Auto Dealers, Used XX/XX/2023 Experian XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX Auto Dealers, Used XX/XX/2023 XXXX XXXX XXXX Auto Loans XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Installment Loans XX/XX/2023 Experian XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX Auto Financing XX/XX/2023 Experian XXXX XXXX XXXX Miscellaneous Finance XX/XX/2023 Experian XXXX XXXX Auto Loans XX/XX/2023 XXXX XXXX XXXX Credit Unions XX/XX/2023 XXXX XXXX XXXX Credit Unions XX/XX/2023 XXXX XXXX Auto Loans XX/XX/2023 XXXX XXXX Bank Credit Cards XX/XX/2023 XXXX XXXX XXXX Bank Credit Cards XX/XX/2023 XXXX XXXX Bank Credit Cards XX/XX/2023 XXXX XXXX Bank Credit Cards XX/XX/2023 XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/2023 XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/2023 XXXX XXXX XXXX Credit Unions XX/XX/2023 XXXX XXXX Mortgage Companies - Finance XX/XX/2023 XXXX XXXX XXXX Mortgage Companies - Finance XX/XX/2023 XXXX ) and feel i am being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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