Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting another complaint for the 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 states a consumer reporting agency can not furnish a account without my written instructions. Account with XXXX XXXX XXXX XXXX XXXX # XXXX has violated my civil rights with this account reporting Account Status reporting Paid, Past Due reporting {$0.00} past due, under Two-Year Payment History shows 60, 60, 30 days past due. Payment Status reporting as Collection/ Charge Off Date Last Active reporting on XX/XX/2022, Date of Last Payment reporting as XX/XX/2022, XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) this shows as original account as a cell phone account, but under account reporting as Collection, Account Type Detail reporting Collection with all three credit bureaus, Monthly Payment reporting no dollar amount yet account in collections for what amount, Past Due amount reporting {$0.00} but account in collection, Payment Status reporting in Collection/ Charge Off, Date Last Reported under Two-Year Payment History across all three credit Bureaus Experian, XXXX XXXX and XXXX shows no payment history at all, Date Last Active with XXXX XXXX as XX/XX/2022 XXXX Experian Date Last Active reporting XX/XX/2022, XXXX Date Last Active XX/XX/2022, XXXX XXXX Date of Last Payment reporting {$0.00} XXXX, Experian Date Last Payment reporting {$0.00} dollars, XXXX Date Last Payment {$0.00} dollars, All three Credit Bureaus XXXX XXXX XXXX Experian XXXX and XXXX XXXX the Two Year Payment History reporting XXXX payments behind, and reporting no late payments, but yet all three credit bureaus reporting account as being Collection/Charge Off, Past Due not reporting any payments past due or dollar amount past due with any dollar dollar amounts past due. 

This complaint submitted is showing the reporting of inaccurate account information. That is being reported by all three credit bureaus, from Experian, XXXX XXXX, and XXXX. Per the Fair Credit Reporting Act 15 U.S.C. 1681 states that consumer information is to be 100 % accurate. Any reporting other than 100 % is in direct violation of US Title 15 Commerce and Trade Chapter 41 Consumer Credit Protection United States Congress. 

In the recent letter submitted to the Honorable XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. The Select Subcommittee on the Coronavirus Crisis. The letter sent on XX/XX/2022 requesting that a investigation be conducted into the violations of Consumers Rights under FCRA. By the three nationwide consumer reporting agencies ( NCRAs ). XXXX, Experian, and XXXX XXXX. This complaint that I am sending is to address the inaccuracies that are being reported by the three major credit bureaus. 
In the uploading of my credit reports will provide you with the inaccuracies that are being reported. 

I am submitting a copy of all my complaints to XXXX XXXX with copies of the copies of the credit reports that are being submitted in this complaint. To verify how the credit bureaus are being non compliant under the FCRA 15 U.S.C. 1681. In hopes of the investigation of the letter sent XX/XX/2022. Would produce civil actions against all three of the nationwide consumer reporting agencies. 

In this complaint strictly addresses the violation of my civil rights. Pursuant to FCRA, 15 U.S.C. 1681

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