Consumer complaint received 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted detailed complaints with XXXX XXXX XXXX, and XXXX XXXX XXXX. and 2 of the 3 credit bureaus on this platform. It has come to my attention that there has been no new reporting on my reports after having opted out ; however, the previous reported history is still causing hardship and injury to the wellbeing of myself and XXXX babies. 15 U.S.C. subsection 1681c details the Requirements relating to information contained in consumer reports ; section ( b ) states : no consumer reporting agency may make any consumer report containing any of the following items of information : - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, meaning NO adverse item besides the conviction of crimes should be on my report, any derogatory mark is not allowed into the consumer reports, indicating a violation! further, 15 U.S.C subsection 1691a ( 2 ) ( A ) ( i ) states ; report containing information solely as to transactions or experiences between the consumer and the person making the report ; conclusion : REPORTING TRANSACTION HISTORY IS ILLEGAL. 
take Further Notice! EXPERIAN, XXXX, AND XXXX, have been allowing or sharing my personal information to solicitating credit card companies, evidenced by the very report each bureau has provided to me upon request, making this a valid claim for IDENTITY THEFT, pursuant, 12 CFR subsection 1022.3 Definitions, which states very clearly : IDENTITY THEFT means a fraud committed or attempted using the identifying information of another person without authority ; as I see it ; by use of the very definition given, anything added to my report WITHOUT MY WRITTEN CONSENT is considered IDENTITY THEFT. Every privacy NOTICE i have ever received firmly states the company/bureau DOES NOT SHARE my information with third parties, however there's record of soft inquires on each report!!! which evidences deliberate misuse and/or breech of trust! 

XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. have both been paid in full!!! I have been in disputes with both entities and their trustees for over a year now! they BOTH have misused the tender and security given to settle the obligations! they BOTH have WILLFULLY dishonored my attempts to settle the debt. their gross neglect in updating my accounts have resulted in injury! AND THE OFFER OF NO EXPLAINATION TO THE DISAPEARING TENDER ONCE IN THEIR CUSTODY!!!! 
I am INJURED from this Gross neglect! and am facing severe hardship, and displacement due to their WILLFUL NONCOMPLIANCE! 
FURTHER NOTE : due to the inaccurate reporting from these two furnishers, the other credit lines have either lowered my available credit and or closed the account to which I have no negative history with, yet this greatly effected my credit utilization!

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