Consumer complaint received 2022-07-29
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: Credit inquiries on your report that you don't recognize

Complaint:
hello, in accordance with the Fair Credit Reporting act XXXX Account # Reference Number. 15 U.S.C 1681 section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604 A Section 2 and Section 609-611. It also states a consumer reporting agency can not furnish a account without my written instructions. 

Thank you for your urgent review regarding my concerns and also helping, me remove and or delete the improper and abuse to my credit from improper reporting from my file! 

ACCOUNT # XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX on my XXXX is improperly reported incorrectly Bankruptcy Responsibility/Individual Asset Amount XXXX PLEASE DELETE DEPT OF EDUCATIONXXXX SEVERAL ACCOUNTS UNDER MY CREDIT REPORTED INACCURATELY DID NOT GIVE CREDITOR PERMISSION TO REPORT ON MY BEHALF PLEASE DELETE ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX DID NOT GIVE THIS THIRD PARTY TO IMPROPERLY REPORT ON MY CREDIT ON MY BEHALF SECTION 603-611 NO CREDITOR COULD REPIRT FROM A THIRD PARTY WITHOUT MY CONSENT PLEASE DELETE Hard Inquires THAT WAS REPORTED NOT ON MY BEHALF DURING MY IDENITY THEFT TRAIL PLEASE DELETE HARD INQUIRES LISTED BELOW. 
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX & # XXXX XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX & # XXXX ; XXXX XXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX PLEASE DELETE ACCOUNTS : NOT MINE *Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan *Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Lease experian reported : PLEASE DELETE INACCURATE PERSONAL INFORMATION OFF MY CREDIT : XXXX XXXX, XXXX XXXX XXXX, PLEASE REMOVE AND DELETE DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NOT MY ADDRESS PLEASE DELETE * YEAR OF BIRTH PLEASE DELETE XXXX REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX LATE PAYMENTS REPORTED FOR XX/XX/XXXX, XX/XX/XXXX XXXX REPORTED INCORRECTLY WAS UNDER A HARDSHIP AS A COURTESY AS AGREED CREDITOR STATED THEY WILL BRING ACCOUNT CURRENT, DUE TO ME HAVING XXXX, AND UNDER THE JURDICTION NO LATE PAYMENTS CAN BE REPORTED IF UNDER A HARDSHIP OR HOSPITILIZED FOR COVID. I HAVE LETTERS THAT IVE CALLED THIS CREDITOR EXPLAINING SITUATION AND PLACED ON A HARDSHIP, INACCURATELY REPORTED THAT I WAS LATE WHEN I WAS UNDER A HARDSHIP AND I WAS NOT WORKING BUT COMMUNICATED WITH CREDITOR AND THEY AGREED TO BRING ACCOUNT BACK CURRENT DUE TO MY STATUS AND UNDER STAUTUE OF LIMITATTIONS REPORTING INACCURACY INFORMATION AND INFORMATION WHILE IN HARDSHIP IS INACCURATELY REPORTING PLEASE UPDATE ACCOUNT!

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