Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX CT XXXX IL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX GIFT AV XXXX IL XXXX XXXX. The inquiry was not authorized CEFCU Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Inaccurate. Direct violation of XXXX XXXX XXXX Billing Error. Please update the account to Paid as Agreed. 
BETTER BANKS Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
CREDIT COLLECTION SERV Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX BANK XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX CARD SERVICES Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX. This collection account violates the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.

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