Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 
Please investigate and take a look at these accounts : XXXX XXXX XXXXXXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXXXXXX - XXXX - XXXX. Civil liability for negligent non compliance- Please remove this to my credit report XXXX - XXXX - XXXX. Civil liability for negligent non compliance- Please remove this to my credit report XXXX - XXXX - XXXX. Civil liability for negligent non compliance- Please remove this to my credit report XXXX - XXXX - XXXX. Civil liability for negligent non compliance - Please remove this to my credit report XXXX XXXX XXXXXXXX - XXXX - XXXX. Civil liability for negligent non compliance - Please remove this to my credit report XXXX XXXX XXXX - XXXX - XXXX. Civil liability for negligent non compliance - Please remove this to my credit report XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report XXXX XXXX XXXX XXXX  XX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report JXXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report EXPERIAN XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- Please delete this to my credit report Incorrect Address - XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX - Please remove it from my credit report Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX - Please remove it from my credit report EMPLOYER - RETIRED - Please remove it from my credit report EMPLOYER- XXXX- Please remove it from my credit report

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