Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: NY
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 ( FCRA ). My rights are been violated FCRA 15 U.S.C 1581 section 602 ( a ) 3-4, ( b ). ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 


I am writing to have you remove account Number : XXXX Company : XXXX. Due to Inaccurate payment dates and charge-off. It is unfair to report inaccurate false dates and unavailable data. This account was paid. 

Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Due to Inaccurate payment dates and charge-off. It is unfair for you to report inaccurate false dates and unavailable data. This account was paid. 

Company : XXXX  XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Due to Inaccurate payment dates and charge-off. It is unfair for you to report inaccurate false dates and unavailable data. This account was paid. 

Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Due to Inaccurate payment dates and charge-off. It is unfair for you to report inaccurate false dates and unavailable data. 

Company : XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Due to, I am not the owner this account. And is on my report over 20 years labeled as charge-off. It is unfair for you to report this falsely. 

Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Due to Inaccurate payment dates and charge-off. It is unfair for you to report in accurate false dates and unavailable data. 

Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Due to Inaccurate payment dates and charge-off. It is unfair for you to report inaccurate, false payment dates and unavailable data. 

Company : XXXX Account Number : XXXX Bankruptcy XXXX XXXX-dismissed Filed on XX/XX/2017 Reference number : XXXX Court : US BKPT CT NY XXXX XXXX In accordance with the Fair Credit Reporting act ( FCRA ). My rights are been violated FCRA 15 U.S.C 1581 section 602 ( a ) 3-4, ( b ). ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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