Consumer complaint received 2024-07-10 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 Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$600.00} written off. {$600.00} past due as of XX/XX/XXXX. 
REASON : The account is written off and being canceled Please go over this account details thoroughly. Payment history is incorrect, Last payment activity, first delinquent is incorrect/ unverifiable information, please update this account immediately under 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ). 
ACTION : REMOVE AND DELETE XXXX. XXXX XXXX XXXX- Auto Loan Account Number : XXXX Date Opened : XX/XX/XXXX Status : Repossession. {$9400.00} past due as of XX/XX/XXXX. 
REASON : I WAS NEVER 30 DAYS LATE, 60 DAYS LATE, AND 90 DAYS late, Translate payments are illegal to report transactions may not be treated as late payment. 
ACTION : REMOVE ACCOUNT IMMEDIATELY/ DUE TO IDENTITY THEFT. I DIDN'T SIGN ANY CONTRACT FOR THIS ACCOUNT TO BE SHARED. REMOVE IMMEDIATELY. NO WRITTEN INSTRUCTION OR VERBAL COSENT TO SHARE AND REPORT. 
The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information. 
XXXX. XXXX XXXX XXXX - XXXX Buyer Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$1200.00} past due as of XX/XX/XXXX. 
REASON : Inaccurate reporting thats damaging my report and creditworthiness. THIS ACCOUNT IS REPORTING ILLEGAL and it is not verifiable. This account is unverifiable, this debt does not belong to me and it violates 15 usc 1681i, 15 usc 1692e, 15 usc 1692c and reporting non-compliance 15 usc 1692k ACTION : DELETE IMMEDIATELY OR I WILL TAKE LITIGATION TO SEEK REMEDY. 
The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information. 
XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$820.00} written off. {$820.00} past due as of XX/XX/XXXX. 
ACTION : VIOLATING 15 usc 1692k, 15 usc 1692e, 15 usc 1681i ( 5 ) Delete this account from my report immediately. 
Reason : False information to many valid violations, Damaging my report and future. REMOVE OR I WILL SEEK JUSTICE AND LIBERTY FOR NOT REPORTING ACCURATELY AND NOT RESPECTING FCRA LAWS. SHARING INFORMATION WITHOUT MY CONSENT AND USING MY SSN # WITHOUT MY AUTHORIZATION IS IDENTITY THEFT AND I WILL REPORT THIS ISSUE TO AN AUTHORITY IF YOUR COMPANY DOES FIX THIS ISSUE. 
The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 
Any documentation or evidence used to verify the accuracy of the information. 
XXXX. XXXX XXXX XXXX - XXXX Buyer Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. 
ACTION : VIOLATING XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX usc XXXX ( XXXX ) Delete this account from my report immediately. 
Reason : False information to many valid violations, Damaging my report and future. REMOVE OR I WILL SEEK JUSTICE AND LIBERTY FOR NOT REPORTING ACCURATELY AND NOT RESPECTING FCRA LAWS. SHARING INFORMATION WITHOUT MY CONSENT AND USING MY SSN # WITHOUT MY AUTHORIZATION IS IDENTITY THEFT AND I WILL REPORT THIS ISSUE TO AN AUTHORITY IF YOUR COMPANY DOES FIX THIS ISSUE. 

XXXX. XXXX XXXX XXXX - Credit Card Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 
REASON : All information that is reported on this account is inaccurate and unverifiable. IF the account is written off the account is NOT SUPPOSE TO REPORT. This is a Tax-exempt account and the account was canceled. Suppose this account is still reporting after I dispute it. In that case, it will be a violation for reporting inaccurately and not 100 % accurately and litigation must be handled due to extortion, noncompliance, and negligence. Payment history Inaccurate, last payment false reporting, open date incorrect. Remove account and block information for not reporting 100 % accurately. 
ACTION : UPDATE immediately and remove accounts under 15 usc 1681e ( b ), and 15 usc 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX. XXXXXXXX XXXX - Debt Buyer Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$720.00} past due as of XX/XX/XXXX. 
REASON : This account is not verifiable, This account does not belong to me. I did not apply for this account or give any consent to open this account. This is identity theft and also fraud. Remove this account and details immediately from my report. Your company and your company are violating 15 usc 1681e ( b ), 15 usc 1681i ( 5 ). This is a violation under 15 usc 1692g and 15 usc 1692e misleading and representation. Your company and Resurgent XXXX XXXX XXXX are reporting two accounts as one and that is illegal.

ACTION : DELETE THE ACCOUNT IMMEDIATELY OR I WILL BE FORCED TO FILE LITIGATION. 
Lenders and creditors must adhere to a variety of laws designed to protect consumer 's rights, ensure fair practices, and maintain transparency in financial transactions. Heres a complete list of key laws :

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