Consumer complaint received 2024-09-05 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: DC

Complaint narrative:
XXXX credit report XXXX XXXX XXXX As of XX/XX/XXXX Fico Logo XXXX XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXXXXXX XXXX Personal Statements No Statement ( s ) present at this time Quick actions Print your report File a dispute You have 0 openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} 1 closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. 

Installment accounts Total balance : {$15000.00} 2 closed accounts 1collection Total balance : {$160.00} ONLINE INFORMATION S Original creditor XXXX XXXX XXXX XXXX Balance {$160.00} Balance updated - Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 

4inquiries These lenders have accessed your credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX records This is where public records, such as bankruptcies, would appear on your report. 
XXXX When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records. 

Negotiating the debt Disputing the debt XXXX XXXX Chat with XXXX XXXX XXXX XXXX I'm an XXXX chatbot that can help you understand your credit report and answer personal finance and credit questions! 
Chatbot Terms of Use Disclosure : By using this chatbot, you consent to the collection and use of the conversation. Info is from publicly available material. 



bureau-white-logoexperian credit report XXXX XXXX As of XX/XX/XXXX Fico Logo Experian XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Statements No Statement ( s ) present at this time Quick actions Manage Experian CreditLock Print your report File a dispute Build credit without debt! Meet the Experian XXXX XXXX XXXX Checking Account. 
Banking services provided by XXXX XXXXXXXX XXXX XXXX, Member FDIC. Experian is not a bank. 
You have 0 openaccounts Total balance : {$10000.00} Credit cards or credit lines Total balance : {$110.00} Build your credit with a new credit card Adding another account, keeping your card balance low and making payments on time can help show lenders you're a responsible borrower. 
new credit card XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$110.00} Balance updated XX/XX/XXXX 1 closed account Late payments stay on your report for 7 years, but they typically affect your score less over time. 

Auto loans or leases Total balance : {$10000.00} XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$10000.00} Balance updated XX/XX/XXXX 1 closed account Your auto benefits : Drive with confidence Unlock personalized savings, recall notifications and current value estimates when you confirm your vehicle. 

Confirm your vehicle Personal loans Total balance : - XXXX XXXX LATE PAYMENT Balance - Balance updated - 1 closed account XXXX experian has no collections on file for you as of XX/XX/XXXX. If you fall behind on payments, your lender or service provider may sell your debt to a collections agency, so remember to pay on time. 
1inquiry These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Your Experian credit file is unlocked. 
Lock your Experian credit file to help prevent identity theft. 

Manage access file unlocked Keep in mind, not all inquiries are factored into your FICO Score. Inquiries stay on your credit report for two years but only impact your FICO Score for the first year. Also, FICO may group loan inquiries together so you aren't penalized for shopping for a better rate. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Statements No Statement ( s ) present at this time Quick actions Print your report File a dispute You have 0 openaccounts Total balance : {$16000.00} Credit cards or credit lines Total balance : {$110.00} 1 closed account Installment accounts Total balance : {$15000.00} 2 closed accounts Late payments stay on your report for 7 years, but they typically affect your score less over time. 

2collections Total balance : {$360.00} 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 XXXX XXXX XXXX XXXX XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 

7inquiries These lenders have accessed your credit file : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is where public records, such as bankruptcies, would appear on your report. 


INFORMATION INCLUDED DOES NOT MATCH ON ALL 3 CREDIT REPORTS INCORRECT NAME AND PERSONAL INFORMATION AND ADDRESSES LISTED CLOSED ACCOUNT THAT SHOULD NOT BE ON MY REPORT I NEVER GAVE PERMISSION FOR ANYTHING OF MY INFORMATION TO BE REPORTED BY ANY OF THE COMPANYS LISTED IN THE ABOVE INFORMATION LISTED

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