Consumer complaint received 2024-10-18 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: DE

Complaint narrative:
Your Information First name : XXXX Middle name : XXXX Last name : XXXX Country : USA Primary phone number : XXXX Secondary phone number : Email address : XXXX Date of birth : XXXX Street address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have lived at this address since : XXXX / XXXX Update Details about the identity theft Theft Incident : Fraudulent Online Shopping or Payment Account What website or service was involved? Experian Name of a company representative that you spoke to : Experian Company 's phone number : XXXX Company 's email address : If you know, tell us the date the suspect first accessed the account. XX/XX/XXXX When did you first notice the problem? XX/XX/XXXX If you know, estimate the total fraudulent charges. XXXX Update Add a Theft Details about the person that used your identity First name : Middle name : Last name : Company name ( if applicable ) : Street address ( including apartment info ) : Country : UNITED STATES City : State : Zip code : Phone number : Email address : Relationship : How did the suspect get your information? 
Do you have any additional information about the suspect? 
Update Additional Information Have you reviewed a copy of your credit report? 
Yes Was any personal information wrong in your credit report? 
When you apply for credit, the lender places an inquiry in your file. Inquiries are listed near the end of your credit report. If you see any inquiries that you didnt initiate, please list them here : Experian XXXX XXXX Have you contacted your local police department? 
No Police department : State : Have you requested a fraud alert from one of the three national bureaus ( XXXX, Experian, XXXX )? 
No Was your personal information exposed in a data breach? If so, you might have access to free insurance or repair services. 
Yes I have received data breach notices from the following companies : XXXX Has a debt collector contacted you about an account that isn't yours? 
Yes Were there any fraudulent accounts included in your credit report? 
Yes Update Personal Statement Experian has been reporting information false information about an bankruptcy from 15 USC 1681 Fair reporting act. I did not give this company permissible purpose to report any of my information to a third party. Eastern District of Pennsylvania XXXX XXXX. XXXX has been reported several times to my credit report. i am asking that this company removes and block it. 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 I will address this matter one time I am a victim of identy theft 15 USC 1681-c-2 is specifically clear on what a consumer reporting agency must do regarding alleged identity. 15 USC 1681b ( C ) Furnishing reports with connection with credit or Insurance transaction that are not initiated by consumer information regarding inquires Expect as provided in section 1681g of this tittle a consumer agency shall not furnish to Overview You have 89 % left to pay on this loan. 
Balance {$16000.00} Highest Balance $ XXXX  Monthly payment No Info Opened XX/XX/XXXX ( 3 yrs, 4 mos ) Term 72 months Payment History Youve made 36 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Charge-off Worst Payment Status XXXX Days Late Account Details Account status Derogatory Type Automobile Responsibility Individual Remarks Profit and loss write-off Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Overview You have 56 % left to pay on this loan. 
Balance {$9900.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( 2 yrs, 10 mos ) Term 72 months Payment History Youve made 78 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status XXXX Days Late Account Details Account status Derogatory Type Automobile Responsibility Individual Remarks Repossession Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Overview You have 100 % left to pay on this loan. 
Balance {$10000.00} Highest Balance No Info Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 3 mos ) Term 75 months Payment History Youve made 84 % of payments for this account on time. 

XXXX XXXX XXXX A XXXX XXXX XXXX A XXXX O XXXX D XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Charged off account Fixed rate Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 
GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$9900.00} Closed Overview You have 56 % left to pay on this loan. 
Balance {$9900.00} Highest Balance $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 2 yrs, 10 mos ) Term 72 months Payment History Youve made 79 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status In Repossession Worst Payment Status In Repossession Account Details Account status Closed Type Auto Responsibility Individual Account. 
Remarks Consumer disputes after resolution Involuntary repossession Times XX/XX/XXXX days late XXXX Closed No Info Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX- XXXX XXXX XXXX. 
( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX 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