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. Equifax, TransUnion 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 provided in your investigation. Despite your investigation, the following incorrect items remain on my credit report. I request an immediate reinvestigation of these items for valid reasons, as they are significantly damaging to my credit rating. 

XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a BALANCE on a COLLECTION account. 
XXXXXXXX XXXX XXXX Account Number : XXXX If unable to explain how you're reporting a balance on a collection then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXXXXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

XXXX. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX XXXX Account Number : - If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account 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