Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been past 5 days of the dispute being that this is my second attempt for this company to remove and delete inaccurate and identity theft items. This have caused damages on my report and have paly apart in me getting denied for home ownership and achieving future goals. 

1. XXXX  XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$600.00} written off. {$600.00} past due as of XX/XX/XXXX. 
REASON : The account is written off and being canceled Please go over this account details thoroughly. Payment history is incorrect, Last payment activity, first delinquent is incorrect/ unverifiable information, please update this account immediately under 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). 
ACTION : REMOVE AND DELETE 2. XXXX XXXX XXXX- Auto Loan Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Status : Repossession. {$9400.00} past due as of XX/XX/XXXX. 
REASON : I WAS NEVER 30 DAYS LATE, 60 DAYS LATE, AND 90 DAYS late, Translate payments are illegal to report transaction may not be treated as late payment. 
ACTION : REMOVE ACCOUNT IMMEDIATELY/ DUE TO IDENTITY THEFT. I DIDN'T SIGN ANY CONTRACT FOR THIS ACCOUNT TO BE SHARED. REMOVE IMMEDIATELY. NO WRITTEN INSTRUCTION OR VERBAL CONSENT TO SHARE AND REPORT. 

3. XXXX XXXX XXXX - Debt Buyer Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$1200.00} past due as of XX/XX/XXXX. 
REASON : Inaccurate reporting thats damaging my report and creditworthiness. THIS ACCOUNT IS REPORTING ILLEGAL and it is not verifiable. This account is unverifiable, this debt does not belong to me and it violates 15 usc 1681i, 15 usc 1692e, 15 usc 1692c and reporting non-compliance 15 usc 1692k ACTION : DELETE IMMEDIATELY OR I WILL TAKE LITIGATION TO SEEK REMEDY. 

4. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I didn't authorize this This account is not VALID Status : Account charged off. {$820.00} written off. {$820.00} past due as of XX/XX/XXXX. 
ACTION : VIOLATING 15 usc 1692k, 15 usc 1692e, 15 usc 1681i ( 5 ) Delete this account from my report immediately. The account is written off and being canceled Please go over this account details thoroughly. Payment history is incorrect, Last payment activity, first delinquent is incorrect/ unverifiable information, please update this account immediately under 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) .15 U.S.C . 1681i ( a ) ( 5 ) ( B ), For the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) YOUR COMPANY EXPERIAN violated the FCRA requirements ( 1 ) in 15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports, and ( 2 ) in 15 U.S.C. Sec. 1681i ( a ) for a CRA to conduct a reasonable reinvestigation to determine whether information disputed by the consumer is inaccurate. Your company is not reporting 100 % accuracy which is a violation and if this item is not removed I am taking legal action against your company for damages. 
Reason : False information to many valid violations, Damaging my report and future. REMOVE OR I WILL SEEK JUSTICE AND LIBRETY FOR NOT REPORTING ACCURATELY AND NOT RESPECTING FCRA LAWS. SHARING INFORMATION WITHOUT MY CONSENT AND USING MY SSN # WITHOUT MY AUTHORIZATION IS IDENTITY THEFT AND I WILL REPORT THIS ISSUE TO AN AUTHORITY IF YOUR COMPANY DOESNT FIX THIS ISSUE. Your company is not reporting 100 % accuracy 5. XXXX XXXX XXXX - Debt Buyer Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. 
ACTION : VIOLATING 15 usc 1692k, 15 usc 1692e, 15 usc 1681i ( 5 ) Delete this account from my report immediately. 
Reason : False information to many valid violations, Damaging my report and future. REMOVE OR I WILL SEEK JUSTICE AND LIBRETY FOR NOT REPORTING ACCURATELY AND NOT RESPECTING FCRA LAWS. SHARING INFORMATION WITHOUT MY CONSENT AND USING MY SSN # WITHOUT MY AUTHORIZATION IS IDENTITY THEFT AND I WILL REPORT THIS ISSUE TO AN AUTHORITY IF YOUR COMPANY DOES FIX THIS ISSUE. 
This debt doesn't belong to me. 
False information. 
Violating my creditworthiness Unauthorized account/ I didn't open this account. 
How is this account certified or How was this account investigated? I want documents showing proof how your company investigate in details or delete account. 
I want the original copy of the purchase agreement I want proof of Contract with my name sign in ink or immediately delete this account and stop all activity. 


6. XXXX XXXX XXXX - Credit Card Account Number : XXXX Date Opened : XX/XX/XXXX 7. XXXX XXXX  - Debt Buyer Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$720.00} past due as of XX/XX/XXXX. 

The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information. 
YOU CAN NOT DELETE AN ITEM AN REINSERT it back on consumers report. This is an another violation. DELETE IMMEDIATELY. 
Your company is not biding my the rule and constitution under FCRA. 
INFORMATION IS NOT CERTIFIED. 
HOW IS THIS CERIFIED AND ACCURATE? 
WHERE IS THE ORIGINAL CONTRACT AND PAPER WORK OF DISCLOSURE A, B, C. 
I WANT TO OPT-OUT of sharing immediately stop all activity with this fraudulent account. I HAVE ALL RIGHTS TO BLOCK AN ACCOUNT THAT IS IDENTY THEFT AND SUBJECT TO FRAUD. 
Legal Violations : The issues outlined above involve several violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Section 611 ( a ) ( 5 ) ( B ) ( i ) : Certification of Accuracy of Information.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 4 ) ( 5 ) ( I ) ( ii ) : Dispute Resolution.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 : Unauthorized Furnishing of Accounts.

15 U.S.C. 1666B ( a ) section ( b ) and 15 U.S.C. 1637a ( a ) : Incorrect Treatment of Late Payments.

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