Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: GA
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activated is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX ( CLOSED ), XXXX XXXX, XXXXXXXX XXXX XXXX XXXX CLOSED ), XXXX XXXXXXXX XXXX XXXX CLOSED ), Account Number XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX, XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, DEPT OF ED/XXXX  XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXXXXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX, XXXX XXXX ( CLOSED XXXX XXXX XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX  ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX 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 Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want one thousand per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ) The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activited is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights. 

In accordance with the Fair Credit Reporting act Experian, Account Name XXXX XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATIONXXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account NamXXXX XXXX XXXX XXXXXXXX, Account Number XXXX, Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXXXXXX XXXX, Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX, Account Number 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 Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want one thousand per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ) The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activited is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Report, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX  DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATION/XXXX  DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATION/XXXX  DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX  DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATIONXXXX  DEPARTMENT OF EDUCATION/XXXXXXXX  DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATIONXXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want one thousand per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 )

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