Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
To whom it may concern : I recently reviewed my credit report and found several billing errors under 15 U.S. Code 1666 ( b ) - Dispute Based on Chain of Custody Break. The reason for this dispute is that my account was transferred without proper documentation when it changed lenders ( for example, from XXXX XXXX  to XXXX XXXX ), resulting in a break in the legal documentation. I am challenging the accuracy of this information and requesting that the account be removed from my credit report. There are two types of payment history inaccuracies that can occur : the creditor failing to properly reflect a payment made by the obligor or a credit issued to the obligor, and a computation error or similar accounting mistake made by the creditor on a statement. Under FCRA 604 ( c ) ( 1 ) ( A ), a creditor is not allowed to perform a hard inquiry on your credit report without your written permission. Verbal or assumed consent is not sufficient - it must be signed and written. If they can not provide proof of your authorization, you have the right to dispute and potentially sue for {$1000.00} per violation. 

I have identified XXXX inquiries made by various lenders on my credit file, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my written authorization. Loans created under pressure, such as those with XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX, were done so without proper written consent. I am demanding the deletion of these accounts due to the lack of an enforceable contract. I believe that the creditor did not provide me with a statement XXXX  days before the due date, resulting in no late payments on these accounts. I am requesting solid proof from the creditor 's bank account that I did not make a payment and was marked as late, as this appears to be a billing error. I expect all items on my consumer report to be updated to reflect that I paid as agreed. There are several accounts with inaccurate loan tradelines under FCRA 1681s-2 ( b ), and I am demanding their full deletion, not just a correction. 

Additionally, if a loan has been forgiven, discharged, or consolidated but is still showing as open or with an outstanding balance on your credit report, you should dispute the entire account for incomplete reporting. Lastly, I have identified several balances on my credit report that need to be updated, including those from XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX. I also have outstanding balances with XXXX XXXX XXXX XXXX XXXX XXXX that need to be addressed. Overall, I am taking steps to correct these inaccuracies on my credit report and ensure that my financial information is reported accurately. 
Best Regards, XXXX : XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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