Consumer complaint received 2024-08-03 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: TX

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. 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 a 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : This letter serves as a formal complaint regarding your disregard for my previous request and failure to implement reasonable procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. Credit reporting regulations mandate that bureaus only report 100 % precise credit information, and every measure must be taken to ensure that the reported information is entirely accurate and correct. 

Please refer to my prior letter for the information that requires re-investigation. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain how you verified there was ever a late payment in XX/XX/XXXX when there never was. 
XXXX XXXX Account Number : XXXX If you can not provide proof of how you verified the late payment from XX/XX/XXXX then please update to paid never late. 

XXXX. Please explain how you verified there was ever a late payment in XX/XX/XXXX when there never was. 
XXXX Account Number : XXXX If you can not provide proof of how you verified the late payment from XX/XX/XXXX then please update to paid never late. 

XXXX. Please explain how you verified there was ever a late payment in XX/XX/XXXX when there never was. 
XXXX Account Number : XXXX If you can not provide proof of how you verified the late payment from XX/XX/XXXX then please update to paid never late. 

XXXX. Please remove late payment from this account because I was never 30 days late on XX/XX/XXXX. I was only 3 days late. 
XXXX Account Number : XXXX If unable to provide proof i was late 30 days then please update to paid as agreed never late. 

XXXX. How are you still reporting this account on my report when it has already been sold and transferred to another lender. 
XXXX Account Number : XXXX Please remove from my report as this account has already been sold and transferred to another lender. 

XXXX remove this late payment from this account because I was never 30 days late on XX/XX/XXXX. I was only 10 days late. 
XXXX XXXX Account Number : XXXX If unable to provide proof that I was in fact 30 days then please update to paid as agreed never late. 

XXXX. This collection company has no contractural agreement in place with me nor any type of permission to communicate with me yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 
XXXX XXXX XXXX Account Number : XXXX Please delete. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain how you verified there was ever a late payment in XX/XX/XXXX when there never was. 
XXXX Account Number : XXXX If you can not provide proof of how you verified the late payment from XX/XX/XXXX then please update to paid never late. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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