Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
Hello, I tried submitting this directly to Experian but the dispute fields have very limited characters. 
Please note the use of all-capital words is to emphasize/highlight, as no other formatting is available. 

Background - XXXX references. 
XXXX. 15 USC 1681 ( a ) ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities witha respect for the CONSUMERS RIGHT TO PRIVACY, and ( b ) states consumer reporting agencies handle consumer information in a manner that is FAIR and EQUITABLE to the CONSUMER, with regard to CONFIDENTIALITY, ACCURACY and RELEVANCY. 
XXXX Credit transaction is defined in 12 CFR 1002.2 ( m ) as EVERY ASPECT of an applicant 's dealings with a creditor regarding an APPLICATION FOR CREDIT or an existing extension of credit ( including, but not limited to, information requirements ; investigation procedures ; standards of creditworthiness ; terms of credit ; FURNISHING OF CREDIT INFORMATION ; revocation, alteration, or TERMINATION OF CREDIT ; and collection procedures ). '' Issue # XXXX. 
XXXX accounts on my consumer report violate 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which states the credit report DOES NOT INCLUDE any report containing information SOLELY as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. 
The following accounts SOLELY report TRANSACTIONS and show repeated and overall EXPERIENCES between the creditor and myself, thereby violating the credit report exclusions in 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : XXXX account number XXXX XXXX account number XXXX XXXX XXXX  XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX Furthermore, the reporting of SOLELY this information INACCURATELY depicts my CHARACTER and GENERAL REPUTATION, which is contrary to what consumer reports are designed for as defined in 15 USC 1681a ( d ) ( 1 ) . Reporting of these accounts are therefore UNFAIR and INEQUITABLE to me, thus, require removal. 

Issue # XXXX. 
XXXX to the XXXX XXXX account reporting is the corresponding inquiry on the report. 15 USC 1681a ( d ) ( 2 ) ( B ) states the credit report does not include any authorization or approval of a SPECIFIC EXTENSION OF CREDIT directly or indirectly by the issuer of a credit card. 
The inquiry on my report from XXXX XXXX XXXX this code because it shows AUTHORIZATION of a SPECIFIC ( revolving ) EXTENSION OF CREDIT when coupled with the accounts reporting in Issue # XXXX. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) also requires this inquiry 's removal, as an inquiry is an ASPECT of a credit TRANSACTION, and credit reports are to NOT INCLUDE any information SOLELY as to TRANSACTIONS. '' Issue # XXXX 15 USC 1681 ( b ) states consumer reporting agencies handle consumer information with regard to ACCURACY and RELEVANCY. The following addresses are not mine, and are therefore inaccurate : XXXX and XXXX XXXX. 

Issue # XXXX BUSINESS credit is defined as extensions of credit primarily for business or commercial ( including agricultural ) purposes in 12 CFR 1002.2 ( g ), and CONSUMER credit is defined as credit extended to a natural person primarily for personal, family, or household purposes in 12 CFR 1002.2 ( h ). The inquiries on my report from EXPERIAN XXXX XXXX and XXXX XXXX XXXX are IRRELEVANT to my consumer report ( 15 USC 1681 ( b ) ), and therefore require removal.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) also requires their removal, as an inquiry is an ASPECT of a credit TRANSACTION, and credit reports are to NOT INCLUDE any information SOLELY as to TRANSACTIONS. ''

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