Consumer complaint received 2024-12-12 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: TN

Complaint narrative:
Subject : Dispute Letter for Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate and improper reporting of accounts and inquiries listed on my credit reports from XXXX, XXXX, and Experian. Below is a detailed list of the inaccuracies and violations, along with a demand for corrective actions and compensation for each violation. 

Accounts with Inaccuracies and Violations XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Violation** : Reporting as " Collection/Charge-off '' despite the account being closed and paid. 
- **Details** : Account status incorrectly marked as " Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX : XXXX - **Violation** : Incorrect reporting of " Collection/Charge-off '' for months where no activity occurred. 
- **Details** : Falsely recorded adverse events for XXXX, XXXX, and XX/XX/year> despite no new data or payments. 

XXXX. XXXX XXXX XXXX - XXXX XXXX : XXXX - **Violation** : Reporting inaccurate information regarding the account status and history. 
- **Details** : Account flagged for collections without valid documentation or consumer notification. 

4. XXXX Account** - **Account Type** : XXXX XXXX XXXX  - XXXX : Improperly reported as dismissed despite being previously settled. 
- **Details** : Inaccurate docket identifier and inconsistent dates across the credit reports. 

XXXX XXXX XXXX XXXX  **Account Number** : XXXX - **Violation** : Reporting inaccurate information and failure to validate the account upon request. 
- **Details** : Account reported without proper verification of its legitimacy. 

XXXX. XXXX XXXX XXXX XXXX  - **Account Number** : XXXX - **Violation** : Failure to validate account and inaccurate reporting. 
- **Details** : Account listed without proper documentation or permissible purpose. 

XXXX. XXXX - XXXX XXXX : XXXX - XXXX : Inaccurate reporting and failure to validate account. 
- **Details** : Account reported without consumer consent or proper notification. 

XXXXXXXX XXXX XXXX XXXX XXXX  XXXX **Account Number** : XXXX - **Violation** : Inaccurate reporting and lack of proper validation. 
- **Details** : Account history flagged with inconsistencies and unresolved disputes. 

XXXX. XXXX XXXX XXXX - XXXX XXXX : XXXX - **Violation** : Reporting private matters that violate 15 USC 1681. 
- **Details** : Account listed with confidential information that should not appear on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX : XXXXXX**************** - **Violation** : Inaccurate reporting and failure to validate account. 
- **Details** : Account included without proper investigation or consent. 

XXXX. XXXX XXXX XXXX - XXXX XXXX : XXXX - **Violation** : Reporting private matters in violation of 15 USC 1681. 
- **Details** : Account details improperly shared and reported. 

XXXX. XXXX XXXX XXXX - XXXX XXXX : XXXX - **Violation** : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX - XXXX XXXX : XXXX - XXXX : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX - XXXX XXXX : XXXX - XXXX : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Violation** : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX XXXX - XXXX XXXX : XXXX - XXXX : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX XXXX - XXXX XXXX : XXXX - XXXX : Failure to validate account and inaccurate reporting. 
- **Details** : Account reported without proper verification of legitimacy. 

XXXXXXXX XXXX XXXX XXXX **Account Number** : XXXX - **Violation** : Failure to validate account and inaccurate reporting. 
- **Details** : Account listed without proper documentation or consumer consent. 


Non-Account-Holding Inquiries 1. **Inquiry Date** : XX/XX/year> - **Company** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry without permissible purpose. 

2. **Inquiry Date** : XX/XX/year> - **Company** : XXXX XXXX XXXX - XXXX : Inquiry not associated with any active or permissible account relationship.

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