Consumer complaint received 2024-07-30 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:
I have obtained copies of my credit report from all 3 credit reporting agencies. XXXX, XXXX and Experian are all reporting inaccurate information, unlawful information which was not authorized in writing, verbal or otherwise by me at any time. I was never sent an opt out request from any of these companies which is a violation of 15 USC 6508. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168 lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 168lb of this title. '' XXXX, XXXX, and Experian are not maintaining reasonable procedures. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. All of these must be removed from my report ( s ) with XXXX, XXXX, and Experian immediately Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX / XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX ( XXXX ) : Additionally, there are unauthorized hard inquiries that are not attached to an active account listed on my credit report. I did not give consent for these inquiries, making their reporting a violation of 15 U.S.C. 1681b, as there was no permissible purpose for these inquiries under the stipulated FCRA guidelines. Please remove all hard inquiries not attached to an active account, as you are not reporting to ensure the maximum accuracy of the information you report, nor have you furnished reports with my explicit consent. Thus, you must remove all collections accounts, all charge-off accounts and all hard inquiries not attached to active accounts. 

INQUIRY : XXXX XXXX XXXX ( two per report ) XXXX  XXXX XXXX XXXX : Experian, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) : Experian, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Given these points , I request an immediate removal from my credit report as they have been reported without proper authorization and are inaccurately stated, substantially affecting my credit score negatively. I kindly ask that you adjust these inaccuracies promptly. Thank you for your immediate action regarding these matters.

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