Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX  4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX  6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX  8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX  9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX  10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX 12. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX 13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX 14. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * Employers : XXXX XXXX XXXX 15. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * Employers : XXXX XXXX XXXX  16. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX 17. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX  18. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
DEPT OF EDUCATIONXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX 19. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
DEPT OF EDUCATIONXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX 20. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX 21. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX 22. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX  23. Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as Agreed. 
XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX 24. This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX

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