Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
I HAVE A MAJOR PROBLEM!!!! XXXX EXPERIAN AND XXXX ARE IN VIOLATION OF MY RIGHTS AND THEY ARE VIOLATING MY RIGHT TO PRIVACY AND THEY ARE FAILING FEDERAL LAW UNDER 15 USC 1681. EACH INQUIRY EACH COLLECTION, EACH LATE PAYMENT EACH CHARGE OFF IS XXXX PER VIOLATION and there are100 's. THEY NEED TO UPDATE< REMOVE AND DELETE ALL NEGATIVE REPORTINGS and UPDATE AS PAID AS AGREED/ PAID IN FULL. 

I demand these negative inaccurate and illegal reportings be handled today!! I am being damaged and I am in need of my reports to be free of errors as PROMISED. 
I pulled my reports today and what do i see... SAME inaccurate and errors in my report that were to be corrected and updated over 30 days ago. They are violating federal law and as a consumer, I am federally protected. 

Here is another attempt to have all of these errors corrected today on my report under 15 usc 1681. All of these errors and furnishing of my information to any person is against the law. I as a consumer have a right to privacy and they are not to furnish any of my personal and private information without my consent. These agencies MUST provide proof that I consented with written instructions toi furnish and report any of these transactions on my reports. 
Not only is each mark XXXX violation. but the CRA 's and the Creditors are violating my rights as a consumer and they MUST have on file for every single reporting a written instructions from me and it must be signed. They all must have a copy of the ssa 89 form for every single month and each time they accessed and ran my file. If they do not have the proof, WHICH THEY DO NOT, They MUST UPDATE AND DELETE Promptly. Every single Item for my personal information, addresses, numbers, names, employment ( WHICH IS ALSO A VIOLATION ). 
All unauthorized inquiries must be removed and corrected. 
All unauthorized late payments, missed payments must be updated as I never consented to the agencies to furnish and report to any 3rd party. I AM ALSO A CONSUMER SO I HAVE THE RIGHT TO PRIVACY SINCE 1974. 
All collections and chargeoffs are errors and they must be removed and updated to paid as agreed and paid in full. all the accounts that are showing closed, must be corrected and I need the remarks for the history to stay on the reports. I never was late, i never missed a payment, I never consented to and told the CRA and the Creditors to close my accounts. Prove to me I have given them the permission to report such abusive remarks on my reports...? 
As you can see... These agencies have Been EXPOSED and they have damaged millions of consumers reports and they have violations for each one. These cra are NOT able to verify and validate any of these reportings so, they MUST be removed. 
They must update all accurate information as promised. 

The personal information that MUST BE REMOVED is : inaccurate and reported errors : The only name that should be on my consumer reports are : XXXX XXXX XXXX No other names ... as they are not me. 
The errors and non deliverable addresses are as follows and please remove and delete all these : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE My personal employment information on all profiles immediately. That is not to be reported. 

Personal Information statement. I DID NOT CONSENT, REMOVE IT REMOVE ALL FRAUD ALERTS AS THAT WAS NEVER TO BE REPORTED WITHOUT MY CONSENT. 
Missed payments and late payments : First premier. I was NEVER LATE, Update to paid as agreed XXXX  : I never said to report this account as closed. I was never late. This is an error and it is damaging me. It needs to be updated to PAID AS AGREED/ PAID IN FULL XXXX  : I never said to close this account and i need all lenth of history, update to paid in full XXXX XXXX XXXX I never had a contract with this account and I am being violated and all of these reporting and errors are causing me stress and under 15 usc 1691. 
all of these are under 15 usc 1681 and the privacy act of 1974. They have been reporting for months/ each XXXX $ $ $ $ Delete it!!! 

Charge off : Violations : XXXX per remark and reporting XXXX XXXX This is a violation and I need it updated and a charge off is considered income, income can not be reported on my consumer report and the creditor did not send me a 1099c. looks like they owe me for violations XXXX XXXX  : collections and missed and late payments are not to be reported and I demand that they get deleted. These violations of my privacy and permissible purpose is real and this is not right. 

XXXX XXXX -- -- XXXX -- -- -- -- -- They have damaged millions of consumers and because of 15 usc 1691 and the privacy act of 1974, These remarks and reportings must be corrected promptly : TODAY, as soon as they get this because i have been trying to get them to update and properly correct the errors for over 60 days. 
Errors on my personal information : DELETE THE FRAUD ALERT immediately address needs to be deleted XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete : employers : XXXX XXXX XXXX XXXX XXXX I elect and choose to not report my personal information such as the employment, plus I do not have to as it is my right. 


XXXX XXXX : Report all history and delete LATE PAYMENTS AS I WAS NEVER LATE and this is an error and can not be verified or validated. 

XXXX XXXX : REPORT all history as I have a right to a paid as agreed report. 
XXXX XXXX : ALL ACCOUNTS : You are reporting in error that these accounts are closed, i never told yoy to close the accounts and I need you to report the payment history and show these PAID AS AGREED/ and I never said to close it and report the negative and damaging reportings, I never consented to that. You are in violation. 
I demand all the payment history to be reported as I need that to stay on the file. 

XXXX  : Is a charge off and that is an error plus if it is a charge off that is reported as income and income is NOT to be reported to my consumer reports. VIOLATIONS and I need my payments! 
These errors and transactions for the reportings on my file that i did not authorize. they must be removed now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all illegal and in violation f my rights and the right to privacy. these errors must be updated and corrected immediately as i am promised an accurate report KEEP ALL LENGTH OF HISTORY REPORTED ON MY CONSUMER REPORTS AND FILES. I NEED THE HISTORY REPORTED

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