Consumer complaint received 2023-12-26 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: MD

Complaint narrative:
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 and 15 USC 1692.

Account name XXXX XXXX XXXX XXXX Account # XXXX XXXX Collection Account- {$2400.00} Account name : XXXX XXXX XXXX Account XXXX : XXXX Collection Account- {$5500.00} 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.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.

The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit XXXX that XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ).

The Fair Dept Collection Practices Act is intended to protect consumer rights against A debt collector communicating with a consumer in connection with the collection of any debt unless permission is given. ; fact, affiant is aware and has proof in the attachment labeled as Exhibit XXXX that XXXX XXXX XXXX is in violation of 15 USC1692c ( A ).

The Fair Dept Collection Practices Act is intended to protect consumers against a debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. fact affiant is aware and has proof in the attachment labeled as Exhibit XXXX  that XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ).

The Fair Dept Collection Practices Act is intended to protect consumers against the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. fact affiant is aware and has proof in the attachment labeled as Exhibit XXXX that XXXX XXXX XXXX is in violation of 15 USC1692d ( 2 ).

The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as ExhibiXXXX XXXX  that XXXX XXXX XXXX is in violation of 15 USC 1692b ( 5 ).

The Fair Dept Collection Practices Act is intended to protect consumer rights against A debt collector communicating with a consumer in connection with the collection of any debt unless permission is given. ; fact, affiant is aware and has proof in the attachment labeled as Exhibit XXXX that XXXX XXXX XXXX is in violation of 15 USC1692c ( A ).

The Fair Dept Collection Practices Act is intended to protect consumers against a debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. fact affiant is aware and has proof in the attachment labeled as Exhibit XXXX that XXXX XXXX XXXX is in violation of 15 USC 1692b ( 2 ).

The Fair Dept Collection Practices Act is intended to protect consumers against the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. fact affiant is aware and has proof in the attachment labeled as Exhibit XXXX  that XXXX XXXX XXXX is in violation of 15 USC1692d ( 2 ).

These inaccuracies are causing me to be unable to purchase a home for my family. The constant harassment and reporting are affecting my ability to purchase a home and car.

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