Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I am a XXXX XXXX  and XXXX XXXX who decided to review my consumer reports and check on the status of my credit last year. To my surprise many of my consumer rights had been violated by all three credit bureaus. I have derogatory remarks that I want removed pursuant to the laws that protect me as the consumer found in 15 U.S. Code 1681. On Experian this account is listed as XXXX XXXX XXXX # XXXXXXXX 
Account Type-Detail : Unknown - credit extension, review, or collection. Balance : { {$460.00} }. No of Months : 1. High Credit : { Missing }. Date Last Active : XX/XX/XXXX. Date of Last Payment : Missing. Account Type : Open Account. Comments : Customer disputed account- reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantors internal collection department. According to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, and integrity I am asking that this inaccurate information be removed Immediately. SOURCE : 15 USC 1681 a 2b- I did not give written permission to have this account furnished on my report. 


Account listed as XXXXXXXX XXXX XXXX XXXX Account Type-Detail : Unsecured loan. Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Missing. Account Type : Installment. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Unpaid balance reported as a loss by the credit grantor. Two-Year Payment History : XXXX This information does not match the reports of XXXX and XXXX. I am asking that this inaccurate information be removed immediately. SOURCE : 15 USC 1666 B - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Source : 15 USC 1681 a 2b - I did not give written permission to have this account furnished on my report. 

Account listed as XXXX XXXX XXXX  Acct # XXXXXXXX 
Account Type-Detail : Auto Loan. Date Opened : XX/XX/XXXX. Balance : { {$1500.00} }. No of Months XXXX XXXX  Account Type : Installment. Date Last Active : XX/XX/XXXX. Date of Last Payment : XX/XX/XXXX. Comments : Account was in dispute- now resolved -reported by subscriber. Two-Year Payment History : XXXX XXXX. This information does not match the reports of XXXX and XXXX. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, and integrity I am asking that this inaccurate information be UPDATED to OK or Paid As Agreed Never Late ( PAANL ). SOURCE : 15 USC 1666 B - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. SOURCE : 15 USC 1681 a 2b- I did not give written permission to have this account furnished on my report. 
I am a Federally protected consumer, per 12 CFR 1016.7 I am now opting out of any and all authorization whether it be written, non-written, verbal, or non-verbal, I the consumer may have given you.

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