Consumer complaint received 2024-04-06 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: WY

Complaint narrative:
As I have evaluated my reports for Experian, XXXX, and XXXX, it has been brought to my attention that the credit bureaus and the participants ( I.e the creditors of the accounts reporting ) have been reporting inaccurate information on my credit report again. I have sent out letters in an effort to get a response directly sent to me however there was no response via the letters sent out for the inquiries made as mentioned in the letters to the creditors. Contrary to rule, sustains the provision where information was misused and justifies prior law under my rights as a consumer, there was again, misuse and failure to provide supplemental notice and information to me and upholding my rights as the consumer, FCRA/FCR Title 12 X 1016.15 ; Relative to other violations in terms of practices ( Reserved ), 15 USC 1681 ss 602 ( a ) ( 1-4 ) & 15 USC 1681 ss 602 ( b ) ; ( As Defined ) Moreover, the entities, parties, affiliates, and agencies failed to adhere to policies and laws as outlined in this statute with careful consideration for myself and what has happened with the misuse of my consumer reports recording and authorizing information to be pulled without subsequent notice.

The following creditors I have contacted about these matters here recently in relation to this complaint and for notable improper reporting : XXXX XXXX XXXX XXXX XXXX ( Late payments recorded for months and periods XX/XX/XXXX thru XX/XX/XXXX ; hargeoff status is inaccurate, debt has been satisfied and requested payment fixed to on time status but there was no response XXXX XXXX ( XXXX Accounts ) XXXX account for late payment dated on XX/XX/XXXX ( Payment was made on time and requested updated status but it was never made ) ; XXXX XXXX, was for dates XX/XX/XXXX to XX/XX/XXXX, payments made as agreed but would not update status and payment history as agreed by request when prompted XXXX XXXX XXXX ( Requested payment dates to be updated due to agreement as per negotiation between creditor and myself by the time payoff and account closed was performed due to technical error with account payments ; payments were made as agreed for dates XX/XX/XXXX to XX/XX/XXXX but update wasnt made ) XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX, history recorded inaccurately ) XXXX XXXX XXXX ( Payment History recorded inaccurately, dates are for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since account is paid as agreed ) XXXX XXXX XXXX ( XXXX, XXXX, and XX/XX/XXXX are reporting inaccurately when it should be on time status ) XXXX XXXX ( XX/XX/XXXX thru XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX should reflect on time status as other payments due to inaccuracy ) I request that under grounds of the creditors and credit bureaus involved that have been participating in reporting information in my credit reports that they correct the status of payment accounts based on the information provided and my request made to the creditors. I have spoken to them initially about the accounts as mentioned and in regards to their participation with reporting my accounts however there has been no cooperation on their end, which supports my claim and additionally, due to the issues of inaccurate reporting in the past and their failure to provide direct evidence of tangible accurate information to support the claim that they are supporting in previous disputes, I will go on record to state that this is being done knowingly, wrongfully, and with malicious intent to keep my credit score in a bad position which goes against my rights as a consumer. I am requesting remedy and correction of the information as per my rights as a consumer. Notably, this is also in justification and in protection of other laws as mentioned in my explanation and where violations have been made thus far. 15 USC 1681q ss 619 ; ( Reserved ) Under the relations and laws as mentioned, it is showcases and implies that my information was obtained and used under false pretenses which violates my rights as a consumer notably and support my stake in my complaint. 15 USC 1681o ss 617 ; ( Reserved ) Supports and justifies position with ss 619, ]. 15 USC 1681C Sect. 605 ( a ) ( 1-6 ), 15 USC 1681 Sect. 605 ( b ) ( 1-3 ) * 15 USC 1681B Sect. 605 ( h ) ( 1 ), 15 USC 1681B Sect. 609 ( a ) ( 5 ) * 15 USC 1681B Sect. 615 ( d ) ( 1 ) ( A-E ), 15 USC 1681B Sect. 615 ( 4 ) * CFR Req. Title 12, Chpt. X SS. 1006.6 * CFR Req. 1006.42 * CFR Req. 1006.10 * CFR Req. 1006.34 ( b ) ( 3 ) ( 4 ) * CFR Req. 1006.34 ( c ) ( 3 ) ( i ) * CFR 1016.7 ( a ) ( 1 ) ( i-iii ) * CFR 1016.7 ( g ) * CFR 1016.7 ( h ) * 15 USC 6802 * CFR 12 X ss 1016.7 ( a ) ( i-iii ) * CFR 12 X ss 1016.3 ( b ) ( 1 ) * CFR 12 X ss 1016.3 ( a ) ( I ) ( A-E ) * CFR 12 X ss 1016.3 ( c ) * CFR 12 X ss 1016.3 ( q ) ( 1 ) ( i-iii ) * CFR 12 X ss 1016.3 ( q ) ( 2 ) ( i ) ( A-G ) * CFR 12 X ss 1016.4 ( a ) ( 1-2 ) * CFR 12 X ss 1016.4 ( b ) ( 1-2 ) * CFR 12 X ss 1016.4 ( c ) ( 1-2 ) * CFR 12 X ss 1016.6 ( a ) ( 1-9 ) * CFR 12 X ss 1016.6 ( c ) ( 4 ) ( i-iv ) * CFR 12 X ss 1016.7 ( g ) * CFR 12 X ss 1016.7 ( h ) * CFR 12 X ss 1016.10 ( a ) ( 1 ) ( i-iv ) * CFR 12 X ss 1016.10 ( a ) ( 2 ) * CFR 12 X ss 1016.10 ( a ) ( 3 ) ( i-iii ) * CFR 12 X ss 1016.10 ( b ) ( 1-2 ) * CFR 12 X ss 1016.11 * CFR 12 X ss 1016.12, FCR 12 X 1016.12 ( a ) * CFR 12 X ss 1016.15 * CFR12 X ss 1016.13 * CFR 12 X ss 1016.17 ( c ) ( 2 ) ( g ) ( 2-5 ) * CFR 12 X ss 1016.17 ( c ) ( 3 ) ( b ) ( 1-3 ) * 15 USC ss 1681 ss 602 ( a ) ( 1-4 ), 15 USC ss 1681 ss 602 ( b ) * 15 USC ss 1681a ss 603 ( b ), 15 USC ss 1681a ss 603 ( c ) * 15 USC ss 1681a ss 603 ( m ) ( 1-2 ) * 15 USC ss 1681b ss 604 ( a ) ( 2-5 ) * * 15 USC ss 1681b ss 604 ( b ) ( 1-2 ) * * 15 USC ss 1681b ss 604 ( c ) ( 1-3 ), ( Emphasis ) * * 15 USC ss 1681b ss 604 ( c ) ( 2 ) ( A-C ) * 15 USC ss 1681b ss 604 ( e ) ( 1 ) * * 15 USC ss 1681b ss 604 ( f ) ( 1-2 ) * 15 USC ss 1681c ss 605 ( a ) ( 1-8 ) * 15 USC ss 1681e ss 607 ( b ) * * 15 USC ss 1681j ss 612 ( b ) * 15 USC ss 1681m ss 615 ( a ) ( 1-4 ) * 15 USC ss 1681n ss 616 ( a ) ( 1-3 ), 15 USC 1681n ss616 ( b ) **** ( Compensation ) * 15 USC ss 1681q ss 619 * 15 USC ss 1681o*** ( Justifies ss619, reserved ) * 15 USC ss 1681s-2 ss 623 ( a ) ( 1 ) ( A ) * 15 USC ss 1681s-2 ss 623 ( a ) ( 1 ) ( B ) ( i-ii ) * 15 USC ss 1681s-3 ss 624 ( a ) ( 1-2 ) ( A-B ) Emphasis on laws/violations : As outlined in the laws, particularly the Fair Credit Reporting Act 15 USC 1681 ss 602, it states and emphasizes that agencies are to insure ( as a need ) their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy and the consumer themselves in ordinance with the laws. XXXX, XXXX, and Experian are consumer reporting agencies and I am the consumer as defined by the laws and the reference of laws that I have outlined in terms of definition, policies, laws, and compliances where these violations were made by these entities. Moreover, I have the right to make sure my private information is not shared in any and every way which is indeed backed by 15 USC 6801, additionally which states It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information again in any way. ( The Furnisher ( s ) of information to credit agencies ) is a financial institution which is defined under title 15 USC 1681 ss 604 ( a ) ( 2 ), stating that In general, to subsection c, any consumer agency may furnish a consumer report under the following circumstances and no other ; In ordinance with the written instructions of the consumer to who it relates [ Furnisher of information to credit agencies ) The financial institution and the consumer reporting agencies XXXX, XXXX, and Experian do not have my consent ; written, unwritten, verbally, and non verbally, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose no public information to a nonaffiliated third party unless the CONSUMER is given an explanation of how the consumer can exercise that nondisclosure option ( Furnisher of information to credit agencies ) I was never informed of any of my rights nor my right to exercise my disclosure option at any given moment and time. 15 USC Code ss 1681s-2 ( A ) ( 1 ) ; A states and outlines, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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