Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian, XXXX, & XXXX XX/XX/XXXX I am writing to dispute the following information that appears on all 3 of my report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX Mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX XXXX XXXX with account # 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. 
Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX  XXXX Unsecured Loan with account # XXXX  opened on XX/XX/XXXX and a balance of {$410.00}.

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.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602,
which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$120.00}.

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. Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX  XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$340.00}.

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.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX XXXX  Mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$230000.00}.

I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$30000.00}.

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.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$140.00}. The original creditor is XXXX XXXX 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.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$960.00}. The original creditor is XXXX XXXX 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.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is 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.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$840.00}. The original creditor is XXXX XXXX XXXX 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.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Collection account from XXXX XXXX with account # XXXX and a balance of {$520.00}. 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.

Under the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604a section 2 ).

It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

I personally signed and sent this letter.

Sincerely, XXXX XXXX XXXX

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