Consumer complaint received 2024-12-24 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: OH

Complaint narrative:
My information was effected in the data breech. According to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 


XXXX XXXX {$17000.00} Negative Suggested Account # XXXX Status Open Credit Limit {$0.00} High Balance {$20000.00} Payment Amount {$510.00} Last Payment XX/XX/XXXX Term 0 Month ( s ) Description Individual Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late 30 : 1 | 60 : 1 | 90 : 2 Payment Status Current Past Due {$0.00} Worst Rating 120 days late Remarks XXXX  {$0.00} Negative Suggested Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$1600.00} Payment Amount {$0.00} Last Payment Term 12 Month ( s ) Description Individual Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late 30 : 1 | 60 : 0 | 90 : 0 Payment Status Current Past Due {$0.00} Worst Rating 30 days late Remarks Closed or paid account/XXXX balance Secured XXXX XXXX {$28000.00} Negative Suggested Account # XXXX Status Open Credit Limit {$0.00} High Balance {$34000.00} Payment Amount {$620.00} Last Payment XX/XX/XXXX Term 0 Month ( s ) Description Individual Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late 30 : 3 | 60 : 2 | 90 : 3 Payment Status 120 Delinq Past Due {$2800.00} Worst Rating 120 days late Remarks Consumer disputes after resolution Auto XXXX {$0.00} Negative Suggested Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$180.00} Payment Amount {$0.00} Last Payment XX/XX/XXXX Term 0 Month ( s ) Description Individual Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late 30 : 1 | 60 : 0 | 90 : XXXX Payment Status Coll/Chargeoff Past Due {$0.00} XXXX XXXX XXXX XXXX Remarks Charged off account Line of credit XXXX {$0.00} Negative Suggested Account # XXXX Status Closed Credit Limit {$0.00} High Balance {$1000.00} Payment Amount {$0.00} Last Payment XX/XX/XXXX Term 24 Month ( s ) Description Individual Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late 30 : 1 | 60 : 0 | 90 : XXXX Payment Status 30 Delinq Past Due {$0.00} Worst Rating 30 days late Remarks Account closed at consumer 's request Closed or paid account/zXXXX  balance DOE XXXX {$3700.00} Negative Suggested Account # XXXX Status Open Credit Limit {$0.00} High Balance {$3500.00} Payment Amount {$0.00} Last Payment XX/XX/XXXX Term 0 Month ( s ) Description Individual Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 6 Payment Status Current Past Due {$0.00} Worst Rating 120 days late DOE XXXX {$6500.00} Negative Suggested Account # XXXX Status Open Credit Limit {$0.00} High Balance {$6000.00} Payment Amount {$0.00} Last Payment XX/XX/XXXX Term 0 Month ( s ) Description Individual Open Date XX/XX/XXXX Closed Date Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 6 Payment Status Current Past Due {$0.00} Worst Rating 120 days late

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