Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX, XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX AZ XXXX XXXX Account # : XXXX XXXX XXXX XXXX & XXXX ( XXXX Creditor : XXXX  ) MISSING Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The original creditor was XXXX. 
Account # : XXXX XXXX XXXX XXXX MISSING Account # : - XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX _____________________________________________________________ INQUIRIES XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX Experian XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX & XXXX XXXX XXXX Automobile Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Companies XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX  Finance Companies - non specific XX/XX/XXXXXXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX Banks and XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX  XXXX XXXX Financing Companies XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX All Banks - non specific XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX XXXX  XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX  XXXX XXXXA Personal Loans Companies XX/XX/XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block

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