Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, I am writing to dispute the following information that appears on my Experian report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a balance of {$0.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX Unsecured Loan with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and a balance of {$120.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$340.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX Time Share with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$240000.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$30000.00}. 
I previously disputed this account stating : ''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. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX 
I previously disputed this inquiry stating : ''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. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''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. ''. I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
XXXX from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''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. ''. I don't agree with the results of your investigation.

Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 

I personally signed and sent this letter. 

Sincerely, 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