Consumer complaint received 2024-02-15 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: CA

Complaint narrative:
this issue i have had with this collections agency for a while now it really took effect when my moms washing machine went out. that is something that is part of a functioning household. me and my son went to XXXX XXXX to get a new washer and dryer after going through all the paperwork to apply for credit to get the washer and dryer i was denied credit due to multiple collections accounts on all 3 credit files this was the main reason for the denial. going through that embarrassing situation i have continued to have issues caused by this company.

So as to being a mechanism that determines what type of consumer holds that ID Number and how credit worthy and issued a character stereotype brings the question of accuracy. i feel that the most important part of the process.is accuracy. 
so i have pulled all 3 credit reports and this is what i found, many violations by company and another partner company. have provided screen shots from all 3 of my credit reports. this shows that not only were they trying to collect on 3 accounts original creditor of 2 being reported on my credit report from XXXX XXXX XXXX and 3rd being. if you look in my XXXX report these XXXX collection accounts show closed. pay close attention to the amounts and the account numbers and dates original creditor account was opened by XXXX XXXX XXXX this will be relevent to all XXXX reports. XXXX report shows these accounts closed. looking at the same accounts on Experian they are active and updated currently same with XXXX XXXX. look closely at the way the account numbers are formated. XXXX shows last 4 digits first 12 hidden. experian and XXXX XXXX shows the first 12 and has the last 4 hidden. but all the amounts and dates are the same. except the opening dates of experian and XXXX XXXX. XXXX ciosed accounts on my XXXX. XXXX and XXXX  opened accounts for the 3 they reported closed using my information and started reporting collections monthly since XXXX i researched the XXXX XXXX and came up with a case against the same companys was from the maryland state collection agency licensing board totaling complaints of over XXXX XXXX dollars. numerous violations before the XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX of the XXXX XXXX XXXX XXXX 
Case # XXXX last case that was filed was {$5000.00} per violation event with total civil damages adding up to {$50.00} XXXX dollars.so that was in maryland maryland collections agency licensing act ( XXXX ) at business regulations Article BR-subsection 7-101 annotated code of maryland XXXX XXXX XXXX violations of XXXX and XXXX financial institution Article FI subsection 2-115 and state government article SG subsection 10-226 ( c ) ( 2 ) numerous 15 usc 1692 codes im am providing pictures of the evidence of the numerous violations some identical to the ones in the case against them and some more im really not sure how many but i would like to this gets the attention this needs to make sure it doesnt happen again since they they have a strong history of causing harm to consumers just operating out of a different state.this company has damaged my reputation my credit report caused serious pain and suffering since XXXX and stress and worry to my family and to me. i want this to go as far as it needs to legally i want monetary compensation for the for the damages and mental anguish

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