Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act convergent account has violated my rights XXXX you. XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 15 U. S. C XXXX section XXXX A Section XXXX : it also states consumer reporting agency can not furnish an account without my written instructions. 15 U. S. C XXXX B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Ohh going out with you here under these laws all credit card charge offs and any other charge offs and collections need to be removed off of my credit immediately pertain to 15 U. S. C. XXXXThere is incorrect information on my credit report. There are too many addresses on my credit report and I need only XXXX. ALL THE ADDRESSES need to be removed immediately from my credit report according to Consumer reporting laws that govern the CFPB and sub-credit bureaus. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt exists. XXXX XXXX. XXXX cXXXXe section XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been OVER XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! I have filed with you guys several times and my credit report is still inaccurate, preventing me from attaining credit, which violates my consumer rights and states that the government and its agencies are not to get involved in consumer commerce and you are in clear violation. Please delete these items immediately! You may these accounts should not be furnished on my consumer report as they are in violation!! Under 15 U. S. CXXXXe XXXX B permissible purposes of Consumer Reports in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is a entity theft. As a consumer I am demanding the deletion of the accounts listed immediately! Under, 15 U.S.C. XXXX all charge offs need to be removed, All charge offs need to be removed. I have disputed the negative information on my credit report and the credit bureaus refused to remove all negative information on my and if the negative information on my credit report is not removed I will be forced to use the arbitration process which states for each negative information not removed off my credit report I'm entitled to {$1000.00} for each negative item without having ever to go to court in accordance to 15 U.S.C XXXX, 15 U.S.C. XXXX ( XXXX ), XXXX ( B ). I have proof of ample times I have requested fo corrections and they go unnoticed and heard.

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