Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Complaint:
You are in Direct Violation of The Fair Credit Reporting Act 1 ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

I am writing to dispute the following information that appears on my all my credit reports from XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXXXXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$16000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXXXXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$1500.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX and a balance of {$360.00}. The original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible.

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 explanation