Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX, XXXX and Experian are in violation of 15 U.S. Code 6801 - 6805 and 16 CFR 313.2. 

XXXX, XXXX and EXPERIAN : XXXX XXXX XXXX XXXX XXXX : XXXX Status charge off- When a debt is sold off to a third party debt collector or it is considered charged off that is now considered a certificate of indebtedness. A charge off is considered income and income can not be reported on a credit report. Please remove account and everything relating to said account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status charge off- A charge off is considered income and income can not be reported on a credit report. Please remove account and everything relating to said account from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX Status CLOSED : why is this account still reporting on my credit report. account is set in CLOSED Status yet I'm still getting notifications that its still reporting account is also in collection status. no third party collection agency has my written, verbal or physical consent to furnish information on my credit report XXXX XXXX XXXX : XXXX Status ( Account Paid in Full, was a Repossession ) - This is incorrect account was paid in full and paid as agreed was not a repossession. All payment dates should reflect account being paid in full. otherwise remove the account because it is negatively affecting my credit score Inquiries : There's a total of 50+ inquiries on my credit report per 15 U.S. Code 1681b Permissible purposes of consumer reports.

Unauthorized Inquiries : If any of those inquiries were made without my consent or for reasons not permitted by law, that could be a violation of my rights. I should have been informed and agreed to any hard inquiries.

Impact on My Credit Score : While multiple inquiries for the same type of credit, like a mortgage or auto loan, are often treated as a single inquiry, having excessive hard inquiries can negatively affect my credit score. This could make it harder for me to secure loans or get favorable interest rates.

Potential for Fraud : A high number of inquiries could indicate fraudulent activity. If I see inquiries that I didnt authorize, it might suggest that someone is using my information without my knowledge.

Right to Dispute : I have the right to dispute inaccurate information on my credit report. If I believe there are inquiries that shouldnt be there, I can request a correction through the credit reporting agency.

Dates on these accounts are not aligned, payments not aligned, status not aligned. please remove all inquiries and account furnished above on my credit report. It is expected of you ( EXPERIAN, XXXX, XXXX ) to act in good faith and show proof of said claims that you are in violation of. 

Phone Numbers : None of these phone numbers are mine my only phone number is XXXX. All others below are incorrect and inaccurate. Please delete all of them except for the one provided. 

( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Without prejudice 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