Consumer complaint received 2024-12-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Last XXXX / XXXX I reported several inaccuracies on my credit reports. Some were removed but there are still multiple inaccuracies in my credit report that need to be addressed. I have reached out multiple times during the last months about these accounts that youre reporting with inaccuracies on my credit report.

These accounts are listed below. I have reported these issues several times and instead of removing these inaccuracies, you have taken my complaint and the information that I am providing to update my credit report.

I would appreciate it if your company could remove them from my credit file as soon as possible.

These accounts are damaging to my credit score, and they needed to be removed A.S.A.P. If your company does not do their investigation in the next 30-45 days and remove these accounts, In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy.

I am also attaching a copy of my credit report with the inaccuracies highlighted Balance on the accounts are different.

Reporting dates are different.

Multiple accounts appear several times on my credit report.

Bankruptcy has been on my report for more than 7 years. It has to be removed.

The accounts below have violated my rights.15. U.S C 1681 section 602A State I have the right to privacy.

15. U. S C 1681 Section 604 A Section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U. S C 1681 c. ( A ) ( 5 ) Section states : No consumer reporting agency can make any report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report more than seven years.

Please delete the accounts below. 

XXXX XXXX XXXX XXXX : # XXXX last activity date is different, this account is also closed, Please remove this account. 
XXXX XXXX XXXX XXXX XXXX : Closing date on this account is different on all three credit reporting agencies. 
XXXX XXXX XXXX XXXX  : Closing date is different on XXXX and XXXX. 
XXXX XXXX XXXX XXXX : I dont have a credit account with XXXX only XXXX is reporting , please remove. 
XXXX XXXX XXXX XXXX XXXX : this account is closed for more than 7 years only XXXX is reporting, Please remove. 
XXXX XXXX ACCOUNT XXXX XXXX  : is reporting different account numbers, different dates and different balance amounts. 
XXXX XXXX XXXX XXXX  : account number is different and closing date and last reported dates are different. 
DEPT OF ED / XXXX : XXXX / XXXX : account numbers are different, date of the last activities are different. Please remove it. 
DEPT OF ED / XXXX XXXX XXXX : account numbers are different, date of the last activities are different. Please removed DEPT OF ED / XXXX  XXXX XXXX / XXXX : account numbers are different, date of the last activities are different. Please removed DEPT OF ED / XXXX  XXXX XXXX / XXXX : account numbers are different, date of the last activities are different. Please removed DEPT OF ED / XXXX XXXX XXXX : account numbers are different, date of the last activities are different. Please removed DEPT OF ED / XXXX XXXX XXXX XXXX XXXX : account numbers are different, date of the last activities are different. Please removed XXXX XXXX XXXX XXXX : this account was closed for inaccuracies, it still remind opened on XXXX  affecting my credit. 
XXXX XXXX XXXX XXXX # XXXX : this account is being reported by XXXX and experian with different closed dates. 
XXXX XXXX XXXX # XXXX : This account is reported closed on different dates and the last activity date is different. Please remove. 
XXXX XXXX XXXX # XXXX : This account is reporting different closing dates on all three reporting agencies, Please remove. 
XXXX # XXXX This account is responsibility and was pay off by my XXXX XXXX XXXX XXXX therefore does not have to be on my credit report, XXXX XXXX XXXX XXXX XXXXXXXX this account was closed for inaccuracies by the other reporting agencies however it remained opened on Experian. Please remove. 
XXXX XXXX # XXXX : This account was closed for inaccuracies by two of the reporting agencies however it remains opened on XXXX, Please remove. 
XXXX XXXX XXXX XXXX XXXX : this account was removed by two of the reporting agencies however it remains opened on XXXX, Please remove. 

XXXX  XXXX BANKRUPTCY IS BEEN REPORTED WITH DIFFERENT REFERENCE NUMBER AND IT HAS BEEN ON MY CREDIT FOR MORE THAN 7 YEARS : Please remove. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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