Consumer complaint received 2022-10-21
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:
Violation of my civil rights under 15 U.S.C 1681, section 602 A States that I have a right to privacy, and under 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 Accounts XXXX XXXX XXXX acct # XXXX violated my rights XXXX XXXX acct # XXXX violated my civil rights XXXX XXXX XXXX acct # XXXX violated my civil rights, XXXX & XXXX XXXX violated my civil rights See attached uploaded copies of my credit files with Experian, XXXX XXXX XXXX and XXXX Credit Bureau XXXX The uploaded copies of my credit reports reporting inaccuracies, accounts shows payments current with all three credit bureaus.. Under two payment history accounts show 30 days late. With XXXX XXXX late from XX/XX/XXXX to XXXX XXXX and XX/XX/XXXX to XX/XX/XXXX / Experian Credit Bureau reporting late payments from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX / XXXX Credit Bureau shows late payments from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX Inaccurate credit reporting information with XXXX  XXXX XXXX ( last reported ) Collection Charge off with Experian last reported XX/XX/XXXX / XXXX last reported Charge off XX/XX/XXXX Date last active Experian XX/XX/XXXX/ XXXX Date last active XX/XX/XXXX Under comment section : Experian- customer disputed account-reported by subscriber Under comment section : XXXX- Consumer dispute this account information XXXX XXXX has not satisfied debt Date last payment : Experian : XX/XX/XXXX Date last payment : XXXX : XX/XX/XXXX XXXX XXXX XXXX Experian-Last Reported XXXX - Last Reported XX/XX/XXXX XX/XX/XXXX Experian-Date Last Active XXXX- Date Last Active XX/XX/XXXX XX/XX/XXXX Experian Comments : Customer disputed account-reported by subscriber XXXX Comments : Customer disputes this account information subject has not satisfied debt XXXX XXXX : Inaccuracies XXXX XXXX  : XXXX : Date opened- XX/XX/XXXX Date openedXXXX XX/XX/XXXX Date XXXX XXXX XX/XX/XXXX Date Last Active- XX/XX/XXXX Date Last Payment- XX/XX/XXXX Date Last Payment- XX/XX/XXXX Date Last Active- XX/XX/XXXX Date Last Active- XX/XX/XXXX Comment section- XXXX XXXX  : charge off as bad debt profit and loss write off Comment section-XXXX  : Charge off account amount in high credit original charge off amount XXXX XXXX : XXXX XXXX : Experian : Date opened : XX/XX/XXXX Date opened : XX/XX/XXXX High Credit : {$580.00} High Credit : {$0.00} Date Last Active : XX/XX/XXXX Date Last Active : XX/XX/XXXX I have provided copies of the credit accounts that are reporting inaccuracies with all three credit bureau. That are reporting with my accounts with XXXX. These accounts are in direct violations of the Fair Credit Reporting Act 15 U.S.C. 1681. These accounts violates my civil rights under federal law. 

I have obtained the copy of the letter sent to the director of CFPB, sent by XXXX XXXX. Stating of the investigation of consumers rights violations by all three credit bureaus Experian, XXXX XXXX, and XXXX. I am in the process of filing a civil rights violations complaint through Federal Court pertaining to these consumer rights of mines being violated.

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