Consumer complaint received 2024-04-11 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: WA

Complaint narrative:
ALTHOUGH I'VE CONTINUOUSLY TRIED TO CHALLENGE THE INACCURACIES IN THE DATA PROVIDED TO XXXX, EXPERIAN, AND XXXX, REGRETTABLY, THE MATTER REMAINS UNRESOLVED AT THIS JUNCTURE. 

XXXX 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. 
2. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This account is being reported as Collection on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
3. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXXXXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
6. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
7. The following personal information is incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 


EXPERIAN 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. 
2. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXXXXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
3. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
5. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove this inaccurate information from my credit report. 
6. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. 
2. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate.

3. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This account is being reported as Collection Account on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
4. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXXXXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify5. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This account is being reported as Charge-off on my credit report. I ask that you provide all the missing information like the balance, high balance, past due amount and date of last payment on this. Please also provide all the instruments presented to you when this was reported by the creditor to verify that this is associated with me. If your agency could not provide my request, please remove this from my report. 
6. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect Previous Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. 
8. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
9. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate.

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