Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. Or list of inquiries 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 an 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 ) ( XXXX ) 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 XXXX of these companies are reporting different information and I have different scores for each one each are not reporting accurate information. These inquiries are unrecognizable and need to be deleted they were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These addresses are old, non-mailable, or unrecognizable addresses and need to be removed XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

15 USCS 1666b a creditor may not treat a payment late on a credit card account under an open end consumer credit, these accounts are reporting late payments and i do not ever remember being late on these accounts and there has been no proof provided XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX These collection accounts, XXXX XXXX XXXX XXXXXXXX XXXX, I have received no communications whatsoever from so I have no clue why they are reporting on my credit currently. 

I have also asked experian, XXXX, and XXXX to fix the incorrect reporting of these accounts as charge offs with a balance due, show proof of the charge off and update the balance to XXXX $ or delete the negative payment status on the account which they have failed to do so -XXXX XXXX XXXXXXXX XXXX  credit card ending in XXXXXXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX credit card ending in XXXX -XXXX XXXXXXXX credit card ending in XXXX I need these things fixed immediately I have been discriminated against by the information this company has been reporting and have been denied credit on multiple occasions. 

XXXX XXXX has time and time again failed to provide an original contract with a wet ink signature of me consenting to any kind of contract with them this needs to be removed once and for all or I am suing this company along with the bureaus that fail to remove their information from my report. I have asked for proof of verification from the bureaus and have received nothing proving this debt from them.

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 non-monetary relief