Consumer complaint received 2023-12-07
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:
I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$4200.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. XXXXXXXX XXXX XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXXXXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX. I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$990.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX  I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX. I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX  I have not supplied proof under the doctrine of estopper by silence Engelhardt v Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt in fact therefore exists Inquiry from XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I never authorized this lender to make a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance

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