Consumer complaint received 2025-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under Experian, XXXX XXXX XXXX XXXX has opened up an inquiry on my credit report to harm my credit score. I never purchased or had an agreement under XXXX XXXX XXXX XXXX. The date is false and the total is wrong which makes it false. XXXX is the original creditor and charged off the account. XXXX is out of range of the 7 years that is why XXXX XXXX XXXX XXXX. reopened to start the collection again even though it has been written off. XXXX XXXX has denied the request to remove the account of XXXX XXXX XXXX XXXX. At a minimum of XXXX disputes. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX stated the account was opened XXXX XXXX and that is false as this account was closed under the following. There is no account number listed. This has violated my rights. Dispute details Dispute XXXX Dispute XXXX Sent to TransUnionSubmitted XX/XX/XXXX In reviewOn XX/XX/XXXX XXXX XX/XX/XXXX Need to send XXXX additional information? Heres how to contact them ________________________________________ XXXX XXXX  Denied ________________________________________ XXXX XXXX, XXXX Approved XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are all the same company and are trying to force payment after the time frame. There is no listed account number for XXXX XXXX XXXX XXXX and no proof of purchase in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$2800.00} 34 Months Monthly XXXX Paid and Closed Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of XXXX Delinquency Date of Last Activity Date XXXX XXXX. XXXX Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$0.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Status - Pays As Agreed ; Type of Account - Installment ; Type of Loan - Secured ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Closed or Paid 15 U.S.C. 1681 section 602 A. States I have the right to privacy. And according to 15 U.S.C. 1681eb they are supposed to ensure this whenever a consumber reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumber report containing any of the following items of information. XXXX XXXX, XXXX  : Experian Dispute : According to Cushman v Transunion 1997, Experian is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws. 15 USC 16811i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681 e ( b ). Delete ACCOUNT. Cap1, Army According to Cushman v Transunion 1997, Transunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2. 15 USC 1681I5, 15 USC 1681eb, Delete ACCOUNT. Cap 1, Army According to Cushman v Transunion 1997, Equifax is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681I, 15 USC 1681s2. 15 USC 1681i5, 15 USC 1681eb. Delete ACCOUNT.

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