Consumer complaint received 2025-05-22 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:
The credit card companies and the banks for which I have a student loan ( department of education, are sharing information with the credit bureaus ( Equifax, Transuion and Experian ) without my knowledge and/or written permission. I am requesting the following : Subject : Request for Removal of Incorrect and Outdated Information, Student Loan Debt and late Payment history pursuant to laws : 1. The Fair Credit Reporting Act ( FRCA ) was enacted in XXXX and was last amended in XXXX to protect my credit information and restrict who is able to access it and for what purpose. In order for anyone or any company to lay a hand on my credit report they need to meet one of the following criteria : a. They obtained your consent to ask for and receive a credit report such as when you go to rent an apartment, buy a house, or when you go to buy a car. Typically, as part of the application process, they might be a line you have to sign that gives the agency permission to receive your credit report. Your signature on this line is considered consent. 
b. The request is being by through the court or via a general subpoena. 
c. To assess your risk when you initiate a credit card application or insurance purchase. 
d. As part of child support assessments/cases. 
e. In business transactions initiated by you. 
f. In an application for a government benefit where financial responsibility might be implied. 
g. In criminal investigations where national security is threatened or where terrorism is involved.

2. The 15 U.S. Code 6802 Obligations with respect to disclosures of personal information that stipulates except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

3. The 15 US Code 1681 B Permissible purposes of consumer reports that stipulates that a creditor shall not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. Additionally, a consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. When a title of the Code is enacted into positive law, the text of the title becomes legal evidence of the law.

4. The 18 U.S. Code 1028A Aggravated Identity Theft that stipulates individuals convicted of aggravated identity theft face an additional two-year prison sentence, which must be served consecutively to any other term of imprisonment for the underlying felony. The law stipulates that whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years Dear Department of Dispute Resolution, I am writing to formally request the removal of outdated and incorrect information from my credit report. My name is XXXX XXXX XXXX, and my Social Security XXXX is XXXX. I have reviewed my credit report and found several inaccuracies and outdated information that I kindly ask to be corrected as follows : Removal of Past Addresses : Please remove all previous addresses associated with my credit report, as they are no longer valid. Please see the table below of the addresses needing removal. 

Address Status Date Reported Action XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current XXXX Retain on credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Former XX/XX/XXXX XXXX Remove from credit report XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Remove from credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Former XX/XX/XXXX XXXX Remove from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Remove from credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from credit report Removal of Past Telephone Numbers : Please remove all previous telephone numbers associated with my credit report, as they are no longer valid. Please see the table below of the phone numbers needing removal. 

Telephone Number Status Action to be taken Telephone Number Status Action to be taken XXXX Current Keep/ Retain on credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report XXXX Former XXXX Remove from credit report Former XXXX Remove from credit report Negative and Reconciled Data : Kindly remove all negative information that has been closed and reconciled. This includes any late payments, charge-offs, or collections that have been paid in full or settled. 

Company Status of Account Negative Information Action to be taken XXXX  Closed {$0.00} balance Late Payments Erase/ Remove Late payments from credit report XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} balance History Erase/ Remove Late payments from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} balance Late Payments Erase/ Remove Late payments from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Closed {$0.00} balance Late Payments, XXXX XXXX Remove Late payments from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX Closed/ Paid off {$2800.00} {$3000.00} {$3000.00} {$1500.00} {$330.00} {$3300.00} {$2800.00} {$3000.00} Total : {$20000.00} History Erase/ Remove Late payments from credit report Hard and Soft Inquiries : I request the removal of all hard and soft inquiries that are older than 2 months and those that are not associated with any credit transactions I initiated. 

Company Inquiry Inquiry Date Action to be taken XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Erase/ Remove Late payments from credit report from XXXX XXXX XXXX Hard XX/XX/XXXX Erase/ Remove Late payments from credit report from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Erase/ Remove Late payments from credit report from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Erase/ Remove Late payments from credit report from XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Erase/ Remove Late payments from credit report from XXXX XXXX XXXX Hard XX/XX/XXXX XXXX XXXX XXXX payments from credit report from XXXXXXXX XXXX XXXXXXXX Hard XX/XX/XXXX Erase/ Remove Late payments from credit report from XXXX XXXX XXXX XXXX XXXX XXXXrase/ Remove Late payments from credit report from XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Erase/ Remove Late payments XXXX credit report from XXXX XXXX XXXXXXXX Soft XX/XX/XXXXXXXX XXXX XXXXXXXX Soft XX/XX/XXXX XXXX XXXX XXXX XXXX from credit report from EXPERIAN Soft All inquiries before XX/XX/XXXX XXXX Remove Late XXXX from credit report from EQUIFAX Soft All inquiries before XX/XX/XXXX XXXX Remove Late payments XXXX credit report from TRANSUNION Soft All inquiries before XX/XX/XXXX XXXX Remove Late payments from credit report from

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