Consumer complaint received 2024-07-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the credit bureaus numerous violations related to my credit report. The conversion accounts has violated my rights. 15 USC 1681 section 602h states I have a right to privacy. 15 USC 1681 section 604A section 2 states consumer reporting agencies can not furnish an account without my written instructions to publish anything on my credit report. The credit reporting agencies has willing fully and recklessly reported false information after being notified of the reporting error and failing to investigate or correct the error, including mixed file, inaccurate balances, inaccurate remarks, inaccurate late payments. Re-inserting or re-reporting a previously deleted item without notifying me in writing within 5 business days of re-insertion. Failure to respond to a dispute within 30 days ( or 45 days ). Failure to update or report the status and/or balance of an account that was included discharged balance. Failure to provide the method of verification, including the real name, address and phone number of the furnisher within 15 days of the request. Failure to notate that an item on my credit report is under dispute after a creditor or debt collector reports a dispute. Failure to provide all relevant information ( i.e, documentation providing my case ) to the furnisher when reasonable means to do so. Ignoring an investigation request. Withholding account data with the intent to negatively affect a consumer credit score ( i.e, credit limit, balance, account, status, etc ). Falsely reporting the ownership of accounts and negatively removing accounts that are paid balances. Falsely reporting inquiries on my credit report that do not belong to me to negatively impact my credit score. Credit bureau does not have a permissible purpose to place items on my credit profile. Credit bureaus have falsely reported late payments to negatively impact my credit score. I do not have a firm offer of credit with consumers listed on my credit report inquiries. As you can see the credit bureaus continues to re-upload false information on my credit report even after I have provided evidence. I am requesting that the credit bureaus be held accountable for their false reporting 's and re-uploading false information to negatively impact my credit score, credit profile. Items in which the credit bureaus has listed on my credit report are inconsistent, inaccurate, and not timely which all are in violation of of the Fair Credit Reporting Act. The false reporting has caused my credit score to be inaccurately reported. I want all the items that negatively affect my credit score to be deleted from my credit report for each credit bureau, All Late payments, charge offs, derogatory items, collections, inquiries, inconsistent information that I provide evidence that it's inaccurate, inconsistent, and not timely report. This has caused me and my family hardship because the credit bureaus continues to violate my rights.

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