Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that these accounts be deleted or updated as I have written in my complaint. I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. How can this account be closed and yet it states that I am still paying on it in the monthly payment section? Once an account is close, d there should be no monthly payment unless the status says " now paying was charged-off. '' XXXX XXXX, XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT XXXX. How can this account be closed and yet it states that I am still paying on it in the monthly payment section? Once an account is close, d there should be no monthly payment unless the status says " now paying was charged-off. '' XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 13. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * Please correct/update this inaccurate information on my credit report. 
14. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS DEPT OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
15. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS SYNCB/AMAZON Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. DATE OF LAST ACTIVITY DO NOT MATCH XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * DELETE FROM CREDIT REPORT 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 rep orting agency can not furnish an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 
Sincerely, XXXX XXXX SS # : XXXX I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX FIN Date of inquiry : XX/XX/XXXX DELETE FROM CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. How can this account be closed and yet it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says " now paying was charged off. '' XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT XXXX. How can this account be closed, and yet it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says " now paying was charged off. '' XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * DELETE FROM CREDIT REPORT XXXX. XXXX XXXX XXXX I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
20. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS DEPT OF XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
21. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS DEPT OF EDUCATION/NELN Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

22. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS SYNCB/AMAZON Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. DATE OF LAST ACTIVITY DO NOT MATCH XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 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 rep orting agency can not furnish an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 
Sincerely, XXXX XXXX SS # : XXXX I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized ANHYUNDAIN Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE FROM CREDIT REPORT XXXX. The inquiry was not authorized HMF Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX DELETE FROM CREDIT REPORT XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. How can this account be closed and yet it states that I am still paying on it in the monthly payment section? Once an account is close, d there should be no monthly payment unless the status says " now paying was charged-off. '' XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM CREDIT REPORT 11. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Please correct/update this inaccurate information on my credit report. 
12. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS DEPT OF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
13. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS DEPT OF XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
14. 15 USC 1666B I WAS NEVER LATE ON THIS PAYMENT. I DEMAND YOU SHOW ME SUPPORTING DOCUMENTATION OF THESE ALLEGED LATE PAYMENTS XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. DATE OF LAST ACTIVITY DO NOT MATCH XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DELETE FROM CREDIT REPORT 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 rep orting agency can not furnish an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. 
Sincerely, XXXX XXXX SS # : XXXX

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