Consumer complaint received 2025-01-17 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: NV

Complaint narrative:
After auditing my credit reports from XXXX, XXXX, and Experian, I was shocked by the amount of illegal, incorrect, unauthorized, outdated, and erroneous information contained in all three reports. To address this, I sent certified, notarized dispute letters to XXXX, Experian, and XXXX on XX/XX/XXXX. As of today I seen no corrections on my reports. XXXX is the only one to acknowledge receipt of the dispute. XX/XX/XXXX responded regarding something that was not even disputed. No other communication has been received. Most of the information I am disputing can be corrected internally by simply following the law, which I referenced in my letters. Furthermore, consumer authorization for reporting should have been submitted and on file with each credit bureau before accepting and reports. The presence of these errors is both unfair and unreasonable and reflects a blatant disregard for federal regulations. 
In addition to the letters to the above referenced Credit Report Companies, I sent a dispute letter to each and every company listed below on XX/XX/XXXX. I have not received any other responses or acknowledgement of receipt of dispute. 

1. Reporting Unlawful Information Consumer Report ( 1681a ( d ) ) : o A " consumer report '' includes any information furnished by a consumer reporting agency that impacts a consumers creditworthiness, character, or other personal criteria used for credit, insurance, or employment.

o Violations of 1681a ( d ) ( 2 ) : Transaction history is not considered part of a consumer report. The following accounts must have their transaction histories removed : 1. XX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 4. XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NV XXXX 5 XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX, XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX 7. XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX 8. XXXX XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. Privacy Act Violations Right to Opt-Out ( 12 CFR 1016.7 ) : o Consumers have the right to opt-out of data disclosures at any time, which was not honored. 
Written Consent for Reporting ( 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ) : o No signed consent exists authorizing the furnishing of my report to third parties.

Nonpublic Personal Information Disclosure ( 15 U.S.C. 6802 ( b ) ( c ) ) : o Financial institutions failed to notify me of my opt-out rights. The following entities violated this : 1. XX/XX/XXXX XX/XX/XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XXXXXX/XX/XXXX XXXX 6. XXXX XXXX XXXX, XXXX 7. XXXX XXXX XX/XX/XXXX XXXX 8. XXXX XXXXXX/XX/XXXX 3. Failure to Remove Unverifiable Negative Information ( 15 USC 1681i ( a ) & 15 USC 1692g ( b ) ) Collections Account Dispute : o XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, failed to verify authorization or valid proof of debt 90+ days. This entry must be removed immediately.

4. Unauthorized Hard Inquiries ( 15 USC 1681b ) Hard Inquiries Without Authorization : o The following institutions conducted hard inquiries on my report without my knowledge or consent : 1. XXXX XX/XX/XXXXXXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX. Failure to Maintain Accuracy ( 1681e ( b ) ) Incorrect Names : Correct Name : XXXX XXXX o Incorrect names on my report must be corrected : XXXX XXXX ( ID # XXXX ) : REMOVE XXXX XXXX ( ID # XXXX ) : REMOVE XXXX XXXX ( ID # XXXX ) : REMOVE Invalid Addresses : Correct Address : XXXX XXXX XXXX, XXXX XXXX NV, XXXX ( ID # XXXX ) XXXXXX/XX/XXXX XXXX XXXX NV, XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX WA WA, XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX XXXX NV, XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX AZ, XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX XXXX NV, XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX NV, XXXX XXXX ID XXXX XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX XXXX WA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT, XXXX Address ID # XXXX NON XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XX/XX/XXXXXXXX XXXX AZ, XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ, XXXX Address ID # XXXX NON DELIVERABLE XXXXXX/XX/XXXX XXXX NV, XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Address ID # XXXX NON DELIVERABLE XXXX XXXX XXXXXX/XX/XXXX, NV XXXX NON DELIVERABLE Invalid Phone Numbers : o ( XXXX ) XXXX : REMOVE o ( XXXX ) XXXX : REMOVE o ( XXXX ) XXXX : REMOVE

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