Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account number : XXXX Open/closed Closed : Date Opened : XXXX XXXX, XXXX Account type : Lease REASON : I was never late on my payments, My Payment history is incorrect and not valid. Please remove my payment history and block my history ledge due to identity theft and fraud. I didn't give any consent to report such debt and false information. The last delinquent is inaccurate and unverifiable. The account is tax-exempt meaning the debt was canceled with a XXXX cancelation of debt. Under XXXX USC XXXX ( b ) and XXXX USC XXXX credit reporting agencies must report 100 % accuracy and your company is not reporting accuracy. 


XXXX XXXX XXXX Account number XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Auto Loan Status : The account was charged off. {$2800.00} written off. {$2900.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Past due amount : {$2900.00} Original balance : {$20000.00} Last payment date XXXX XXXX, XXXX REASON : Payment history is reporting XXXX  days late XXXX days late 30 days late, XXXX days late, XXXX days XXXX days late, and XXXX days. ( That is inaccurate and false reporting / illegal reporting is subject to identity theft and litigation for damages under XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Account number XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Credit card Status : The account was charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Past due amount : {$1000.00} Highest balance : {$1000.00} Last payment date : XX/XX/XXXX XXXX XXXX  XXXX Account number : XXXX Balance : {$2500.00} Balance updated : XX/XX/XXXX Credit limit {$2100.00} Open/closed : Closed Date Opened : XX/XX/XXXX Status : The account was charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXX. 
XXXX updated : XX/XX/XXXX XXXX due amount : {$2500.00} XXXX balance : {$2500.00} REASON : unverifiable account, inaccurate reporting, this account is violating my report. 
VIOLATING XXXX usc XXXX, XXXX usc XXXX, XXXX usc XXXX ( XXXX ) Delete this account from my report immediately. The account is written off and being canceled Please go over this account details thoroughly. Payment history is incorrect, Last payment activity, first delinquent is incorrect/ unverifiable information, please update this account immediately under XXXX USC XXXX ( XXXX ) and XXXX USC XXXX ( b ) XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) ( B ), For the phrase person who furnishes the information, some argue that this provision applies only to furnishers regulated under Section XXXX of the FCRA ( XXXX U.S.C. XXXX ) YOUR COMPANY EXPERIAN violated XXXX FCRA requirements ( XXXX ) in XXXX U.S.C. Sec. XXXX ( b ) for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports, and ( XXXX ) in XXXX U.S.C. XXXX XXXXXXXX ( a ) for a CRA to conduct a reasonable reinvestigation to determine whether information disputed by the consumer is inaccurate. Your company is not reporting 100 % accuracy which is a violation and if this item is not removed I am taking legal action against your company for damages. 
Reason : False information to many valid violations, Damaging my report and future. REMOVE OR I WILL SEEK JUSTICE AND LIBRETY FOR NOT REPORTING ACCURATELY AND NOT RESPECTING FCRA LAWS. SHARING INFORMATION WITHOUT MY CONSENT AND USING MY SSN # WITHOUT MY AUTHORIZATION IS IDENTITY THEFT AND I WILL REPORT THIS ISSUE TO AN AUTHORITY IF YOUR COMPANY DOESNT FIX THIS ISSUE. Your company is not reporting XXXX XXXX accuracy The method used to verify the accuracy of the information. 
The name and contact information of the person or entity that provided the information. 


Any documentation or evidence used to verify the accuracy of the information. 
YOU CAN NOT DELETE AN ITEM AND REINSERT it back on the consumer 's report. This is another violation. DELETE IMMEDIATELY. 
Your company is not abiding by the rules and constitution under FCRA. 
INFORMATION IS NOT CERTIFIED. 
HOW IS THIS CERIFIED AND ACCURATE? 
WHERE IS THE ORIGINAL CONTRACT AND PAPERWORK OF DISCLOSURES A, B, C? 
I WANT TO opt out of sharing immediately and stop all activity with this fraudulent account. I HAVE ALL RIGHTS TO BLOCK AN ACCOUNT THAT IS IDENTY THEFT AND SUBJECT TO FRAUD.

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