Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XX/XX/2024 Experian Dispute by Mail XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : NOTICE TO THE VIOLATION OF THE FAIR CREDIT REPORTING ACT Please reference report # # XXXX ( attached ). Your company is reporting my non -public information and violating the provisions of the Fair Credit Reporting Act ( FCRA ). According to FCRA, a consumer report does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Said act also states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years I instruct you to remove all non-public information regarding transactions and experiences from your reports. This includes balance information, missed payment information, payment history, all closed accounts, charge offs and any other closed/collections or details pertaining to the following accounts : 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 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 I have a right to keep this information private, and I have not given you written authorization to share. Failure to comply with the instructions of this notice, and I have no choice but to report your company to the regulating authorities Consumer Federal Protection Bureau and Federal Trade Commission for their help in enforcing my consumer rights by helping to fight deceptive practices and for aiding recovery of monetary compensation for damages. This will be my last notice before pursuing enforcement actions. If any discrepancies please contact me at the address above or contact the number you have on file within 21 days. 



Kind regards, XXXX XXXX ( Authorized Representative ) ATTACHMENTS 15 USC 1681a ( d ) ( 2 ) ATTACHMENT 15 USC 1681c XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XX/XX/2024 Experian Dispute by Mail XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : NOTICE TO THE VIOLATION OF THE FAIR CREDIT REPORTING ACT Please reference report # # XXXX ( attached ). Your company is reporting my non -public information and violating the provisions of the Fair Credit Reporting Act ( FCRA ). According to FCRA, a consumer report does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Said act also states that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years I instruct you to remove all non-public information regarding transactions and experiences from your reports. This includes balance information, missed payment information, payment history, all closed accounts, charge offs and any other closed/collections or details pertaining to the following accounts : XXXXXXXX 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 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  I have a right to keep this information private, and I have not given you written authorization to share. Failure to comply with the instructions of this notice, and I have no choice but to report your company to the regulating authorities Consumer Federal Protection Bureau and Federal Trade Commission for their help in enforcing my consumer rights by helping to fight deceptive practices and for aiding recovery of monetary compensation for damages. This will be my last notice before pursuing enforcement actions. If any discrepancies please contact me at the address above or contact the number you have on file within 21 days. 



Kind regards, XXXX XXXX ( Authorized Representative ) ATTACHMENTS 15 USC 1681a ( d ) ( 2 ) ATTACHMENT 15 USC 1681c

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