Consumer complaint received 2024-08-08 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: MI

Complaint narrative:
I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. Addresses. Only the address XXXX XXXX XXXX, XXXX Michigan. Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. In the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. Late payments. Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditorsection:1666b ) has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title ( https : XXXX # b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report.. XXXXXXXX XXXX XXXXXXXX late payments XX/XX/XXXX and XXXX XXXX XXXX XXXX account number : XXXX XXXX parents. The previously listed accounts have late payments and those remarks must be updated and addressed immediately. They are reporting payments onto my consumer report which is against the law and a violation of my rights. Accounts to be deleted. The XXXX XXXX XXXX account number : XXXX. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Credit acceptance care. account number XXXX per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of this company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The following this account must be removed from consumer report. 15 USC. 1635B right to resend and keep the property. 15 USC 1640 16 CFR 433.1D this company has received a cash advance after obtaining my Social Security number. 15 USC 1662B federal reserve Notes ( cash ) mixed in with a consumer credit transaction. This company required me to pay a cash down payment, which was unnecessary and illegal because the signed contract entails a 100 % credit transaction. This company is in violation of my rights and the contract sign between me and the company.. XXXX XXXX XXXX  Account number XXXX This account is reported in accurately there is no balance owed and is not up-to-date. This accoun t must be removed from my consumer report immediately, which is my right as a federal protected consumer. XXXX XXXX XXXX is a collection agency that does not have the proper licensing to collect on an alleged debt in the state of Michigan. I am a resident of. Being that this collection agency does not have the jurisdiction nor legal power to collect on an alleged debt in my state, I am demanding this account be removed from my consumer report. Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe previous hard inquiries must be removed from my consumer report effective immediately.

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