Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX CFPB complaint : Inaccuracies and inconsistencies of reportings, violation of privacy to XXXX party companies, compensation due to damages of misinformation. 
Companies in correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( CLOSED ) XXXX. ) Available credit is completely blank in info. XXXX. ) XXXX scheduled payments made are missing ( XXXX XXXX XX/XX/XXXX ) XXXX. ) Status says paid as agreed but my account was closed and when I requested info on the closing no info was provided nor responded to. XXXX. ) I did not authorize this cancellation nor violate the terms and conditions XX/XX/XXXX XXXX. XXXX. ) XXXX amounts past due ( XXXX XXXX XX/XX/XXXX ). XXXX. ) On the payment history there is a XXXX past due from XXXX and paid months with no data available when payments have been made. This closed account will be removed from my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. ) It Is closed as well and it does not reflect that on the reports. XXXX. ) This report says available credit XXXX and it states I have XXXX. ) 120 days days past due which is incorrect. Amounts past due being ( XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX ). XXXX. ) Incorrect past due payment history on ( XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ). XXXX. ) If the payment history starts XX/XX/XXXX as paid why is it not on the balances, payments, Limits, etc? XXXX. ) THIS IS NOT MY CARD! 

XXXX XXXX XXXX XXXX XXXX ) Schedule payment info is incorrect and XXXX. ) Do not reflect the amounts paid to the card. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ) XXXX. ) Status says paid to agreed but the account is closed. XXXX. ) Same with XXXX no info was given after my request about why the accounts were closed. XXXX. ) I did not authorize the closing of either account. XXXX. ) I made all payments on time and this is not reflected on any accounts. This closed account will be removed from my credit report. 
In other disputes, the consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX are non-mailable addresses and needs to be deleted from the record. All inquiries ( XXXX hard and XXXX soft ) posted on accounts are unauthorized from non-affiliates of XXXX and will be deleted from the record. 
The FCRA promotes accuracy, fairness, and privacy of information in files of consumer reports and agencies. I expect XXXX XXXX  in compensation for each violation and inaccuracy in this report. 
In compensation for each of these inaccuracies and violations, I expect XXXX XXXX  from XXXX. 
XXXX. ) A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. I never provided written consent to the leaking of my information to any employer. 
XXXX. ) Including the release of my nonpublic personal information violated The Privacy Act of 1974, 5 U.S.C. 552a, which is Title 22, Chapter XI, Part 1101 of the Electronic Code of Federal Regulations. This caused pain and suffering as my consumer reports affected my availability to afford the basic needs of life itself and caused a diagnosis of anxiety 38 CFR 4.129. For emotional damages, I am requesting XXXX XXXX  in addition from XXXX. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. 
Finally, I request who provided the misinformation to XXXX on these reports. 

EXPERIAN : XXXX. ) XXXX different names are listed on record XXXX. ) Name ID # XXXX /Name ID # XXXX Need to be deleted from the record as it is not me. 
XXXX. ) Address ID # XXXX XXXX. ) Address ID # XXXX XXXX. ) Address ID # XXXX are non-mailable addresses and are incorrect on record. 
XXXX  XXXX account # XXXX and # XXXX These closed accounts will be removed from my credit report. 
XXXX. ) States are potentially negative when the account is closed and payments have been made. XXXX. ) I did not authorize the closing of the accounts and when I requested info as to why they were closed nothing was provided for both accounts. XXXX. ) Any dispute was ignored and not solved on my behalf. I am still being charged on accounts when the terms and conditions have been violated on my behalf. These closed accounts will be removed from my credit report. 
In other disputes, the consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
XXXX. ) All inquiries ( XXXX hard and XXXX soft ) are unauthorized from non-affiliates of EXPERIAN and will be deleted from the record. This is also a violation of the disclosure of my nonpublic personal information. The Privacy Act of 1974, 5 U.S.C. 552a, is Title XXXX, Chapter XXXX, Part XXXX of the Electronic Code of Federal Regulations. 
XXXX. ) I never provided written consent to the leaking of my information to any employer. 
The FCRA promotes accuracy, fairness, and privacy of information in files of consumer reports and agencies. I expect XXXX USD in compensation for each violation and inaccuracy in this report. 
In compensation for each of these inaccuracies and violations, I expect XXXX USD from EXPERIAN This caused pain and suffering as my consumer reports affected the availability to afford the basic needs of life itself and a diagnosis of anxiety XXXX XXXX XXXX. For emotional damages, I am requesting XXXX USD additionally in compensation from EXPERIAN. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. 

XXXX : XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX are non-mailable addresses that must be deleted from the record. 
XXXX. ) XXXX XXXX. ) XXXX are not valid numbers nor are they mine. 
XXXX  XXXX XXXX. ) All payment ratings are in okay status, so these payments are not consistent across the board. XXXX. ) This card was closed without my authorization or consent. This closed account will be removed from my credit report. 
XXXX  XXXX XXXX. ) This is not my card nor did I authorize this account to be made. XXXX. ) XXXX missed payments have been put on my report inaccurately. 
XXXX  XXXX XXXX. ) Payment ratings are inaccurate with past due status, these payments are not consistent across the board. XXXX. ) This card was closed without my authorization or consent. This closed account will be removed from my credit report. 

In other disputes, the consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 
XXXX. ) Non-payments made are inaccurate on account. All inquiries ( XXXX total inquiries ) posted on accounts are unauthorized from non-affiliates of XXXX and will be deleted from the record. 
XXXX. ) I never provided written consent to the leaking of my information to any employer. 
The FCRA promotes accuracy, fairness, and privacy of information in files of consumer reports and agencies. I expect XXXX USD in compensation for each violation and inaccuracy in this report. 
In compensation for each of these inaccuracies and violations, I expect XXXX XXXX  from XXXX. 
This caused pain and suffering as my consumer reports affected the availability to afford the basic needs of life itself and a diagnosis of anxiety XXXX XXXX XXXXXXXX. For emotional damages, I am requesting XXXX XXXX  additionally in compensation from XXXX. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

The information provided on reports is inconsistent between another and incorrect. My non-public personal information is proof of claim on these accounts. All parties have violated the terms and conditions/ privacy agreements. The Privacy Act of XXXX, XXXX XXXX. XXXX, is Title XXXX, Chapter XXXX, Part XXXX of the Electronic Code of Federal Regulations. 
16CFR 313.1, 16 CFR 313.7 ( f ) Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given written, unwritten, verbal, and non-verbal per 15 usc 6802