Consumer complaint received 2024-08-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I strongly disagree with the response to your investigation. Despite your investigation, the following incorrect items still remain on my credit report. I request an immediate re-investigation of these items for justified reasons. These inaccuracies have a detrimental impact on my credit score. 

XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Date of Birth : XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. 
XXXX XXXX XXXX Account Number : XXXX Please delete immediately for failing to do your due diligence and making sure everything on my report is 100 % accurate. 

11. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please delete immediately for failing to do your due diligence and making sure everything on my report is 100 % accurate. 

12. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. 
XXXX XXXX Account Number : XXXX Please delete immediately for failing to do your due diligence and making sure everything on my report is 100 % accurate. 

13. Under 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information XXXX XXXX XXXX XXXX Account Number : XXXX Please delete immediately. 

14. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information. 
XXXX Account Number : XXXX Please delete immediately for failing to do your due diligence and making sure everything on my report is 100 % accurate. 

15. How is this account still on my report when it has been already been SOLD and TRANSFERRED to another lender. 
XXXX Account Number : XXXX If unable to explain how this account is still on my report when it has been already been SOLD and TRANSFERRED to another lender then please DELETE immediately. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. How are you still reporting this account on my report when it's already been sold and transferred to another lender. 
XXXX Account Number : XXXX If you can not explain how this account is on my report when it's already been sold and transferred to another lender then please DELETE immediately.

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