Consumer complaint received 2024-12-03 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: CO

Complaint narrative:
After making my monthly review of my Consumer Report and viewing my Credit Score. I find XXXX is violating my rights as a consumer by improperly reporting an item that should be excluded and deleted from my consumer report. Your company XXXX is reporting an ACCOUNT on a line item listed on my Consumer Report that has not been properly verified and validated. The accounts or line items are listed below. 
I am making the following complaint and dispute against XXXX on the basis of violating my rights as a consumer by reporting on my consumer report an EXCLUSION. A report on my consumer report containing information of an account with XXXX XXXX XXXX. The false reporting of this account regarding a TRANSACTIONS or EXPERIENCES between me ( XXXX XXXX ) the consumer and the person making the report ( XXXX XXXX XXXX ). According to15 US CODE 1692g VALIDATION OF DEBT, 15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction 15 US CODE 1681m ( b ) ( c ). A line item listed on my consumer file as an ADVERSE ACTIONS, ACCOUNT BALANCE, PAYMENT HISTORY. 
Your company XXXX is in direct violation of 15 US CODE 1692g Validation of debts, 15 US code 1681m ( b ) ( c ) Requirements on Users of Consumer Reports,15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction and 15 US CODE 6802 Obligations with respect to disclosures and personal information. It is unlawful for XXXX to report my transactions or experiences between me ( XXXX XXXX the consumer ) and several accounts ( The person or persons making the report ). However, the accounts listed below ( The Person making the report XXXX XXXX XXXX ) has reported to XXXX my TRANSACTIONS or EXPERIENCES as a VALIDATED ACCOUNT including delinquencies coded as C for Collection Account, too include 24 month payment history, too include payment history, past due history and balance history. However, a consumer report has been reported to XXXX and by XXXX on my consumer report on my consumer report transactions or experiences. A consumer report by XXXX listing my TRANSACTIONS or EXPERIENCES shall not be reported or include a report furnished by or from the listed accounts reporting my TRANSACTIONS or EXPERIENCES. Such TRANSACTIONS or EXPERIENCES of DELINQUENCY, ACCOUNT BALANCE, PAYMENT HISTORY, PAST DUE HISTORY, CLOSED ACCOUNTS or OLDER DEROGATORY EVENTS under sections or line items described as 2 YEAR HISTORY, LATE PAYMENTS 30 day past due, 60 day past due, 90 day past due or 120 day past due. Has been reported on my consumer report by XXXX. According to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding VALIDATION OF DEBT as it is described regarding EXCLUSION pertaining to TRANSACTIONS or EXPERIENCES. My complaint against XXXX does meet the standard set by 15 US CODE 1681m Requirements on USERS of Consumer Reports, 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. 
Therefore, I am demanding that XXXX remove the Consumer file listed as 2 YEAR HISTORY, OLDER DEROGATORY EVENTS 30 day past due, 60 day past due, 90 day past due and 120 past due and LATE PAYMENTS with accounts listed from my Consumer Report.

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