Consumer complaint received 2025-08-12 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: PR

Complaint narrative:
Under the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. This account does not belong to me. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, it must be removed from my credit according to the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. This account is listed as a charged-off account. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, it must be removed from my credit according to the Fair Credit Reporting Act. Under the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. This account does not belong to me. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, the XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is listed as late payments. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, the XXXX XXXX XXXX XXXX account # XXXX has violated my rights. This account is listed as late payments. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, XXXX XXXX XXXX  account XXXX XXXX has violated my rights. This account is listed as a charged-off account. Please provide me with a copy of the signed contract or voice conversation where I authorized to be billed on this account. Otherwise, you must remove it from my credit in accordance with the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, XXXX XXXX  account # XXXX has violated my rights. This account is listed as a charged-off account. Please provide me with a copy of the signed contract or voice conversation where I authorized to be billed on this account. Otherwise, you must remove it from my credit in accordance with the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, XXXX  XXXX XXXX account # XXXX has violated my rights. This account is listed as a charged-off account. Please provide me with a copy of the signed contract or voicemail where I authorized billing on this account. Otherwise, you must remove it from my credit in accordance with the Fair Credit Reporting Act. Title 15 of the United States Code, Section 602 A, states that I have a right to privacy. Title 15 of the United States Code, Section 604 A, Section 2 : It also states that the credit reporting agency can not provide an account without my written instructions.

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