Consumer complaint received 2024-02-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights 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. 

In addition to my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 along with 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.

LIST OF ACCOUNTS : 1 ) Public Records : Account/Reference number listed below per each Credit Bureau , all 3 inaccurate and different information. 
XXXX : XXXX, Experian : XXXX, XXXX : XXXX Each credit bureau has furnished inaccurate public records-information on my consumer credit reports violated my federally protected consumer rights 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. All 3 credit bureaus have inaccurate and conflicting file dates on my consumers credit reports. In addition, all 3 credit bureaus have furnished inaccurate reference/accounts numbers, and this too violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681c. ( a ) ( 5 ). I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED SEPARATE CREDIT REPORT FROM EACH CREDIT BUREAU DISPLAYING THE INCCURACIES. 

2 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 3 ) Account Name : XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. THIS ACCOUNT REPORTING TWICE AND ITS INACCURATE. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 4 ) Account Name : XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 5 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 6 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 7 ) Account Name : XXXX Account Number : XXXX EacH credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. THIS ACCOUNT REPORTING TWICE AND ITS INACCURATE. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 8 ) Account Name : XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. THIS ACCOUNT REPORTING TWICE AND ITS INACCURATE. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 9 ) Account Name : XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 10 ) Account Name : XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 11 ) Account Name : XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 12 ) Account Name : XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 13 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 14 ) Account Name : XXXX XXXX XXXX. Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 15 ) Account Name : XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE 16 ) Account Name : XXXX XXXX Account Number : XXXX Each credit bureau has furnished inaccurate information on my consumer credit reports violated my federally protected consumer rights 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. I have highlighted and circled all the inaccuracies that has been furnished on my consumer credit report. PLEASE SEE ATTACHED 3-BUREAU CREDIT REPORTS DISPLAYING ALL THE INACCURACIES FOR REFERENCE All of these listed accounts have violated federally protected consumer rights.

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

THESE INACCURACIES IS KEEPING ME FROM BUYING A FAMILY VEHICLE THAT ACCOMMODATES OUR SPECIAL NEEDS CHILD.

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