Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
Removal of all Charge off 's by companies which satisfies that the alleged debt has been paid on it's face that reflect a charge off All and any Unverified accounts and reporting mechanisms that have not by contractual obligation which requires the reporting agencies to provide a wet ink signature of the Principal account holder 's signature. Since the Principial is the holder of all contracts in due course as well as the Grantor/ Beneficiary and proof that the Principal has received the proper security interest has been set off by the corporations and reporting agencies which, violate all commercial laws Under UCC section 2, and that the actual reporting with out consent of the Principal is on its face fraud. Which violates Title 18, 26, 12, and 15 and are felonies under the law " The fraudulent reporting continued with false precepts of a true and valid verification and validation which was not done under the penalty of perjury. 

Failing to report that a debt was discharged in bankruptcy : Once a debt has been discharged in bankruptcy, the credit furnisher and the credit XXXXeporting agency must report it as accurately discharged. However, discharged debts are often incorrectly reported as Charged OXXXX or Closed by XXXX XXXX. This is a violation of the FCRA. In such case, you may likely be entitled to damages. 

Reporting old debts as new or re-aged : For the most part, negative reporting items, such as past due balances and charged off accounts, can only remain on a credit report for seven years ( civil judgments can remain on reports for 10 years ). Far too often, however, debt collectors and debt buyers re-age debts by reporting accounts as newly defaulted or with different/new account numbers. This is a violation of the FCRA that again, could entitle you to damages. 

Reporting an account as active when it was voluntarily closed by a consumer : Once a consumer has voluntarily closed an account, it must be reported as such by the credit furnishers and credit reporting agencies. However, Experian, XXXX, and XXXX often continue to report the account as active and delinquent which harms the consumers credit score. This too is a violation of the FCRA. 

Listing a consumer as a debtor on an account when the consumer was only an authorized user : In order for a debt to be on a consumers credit report, that consumer must either have been the account holder or a joint account holder ( also referred to as a co-maker ). If you are only an authorized user of the account, it is a violation of the FCRA to report the debt on your credit file. 

Mixed Credit Files : One of the most harmful FCRA violations occurs when a strangers credit information is mixed into your credit report. This may happen if you have a common name such as XXXX XXXX or if you share a similar social security number with someone with a similar name. If you believe your credit file is mixed with someone else, please call us as this is a violation of the FCRA. 

Failing to list a disputed debt as disputed : Once you dispute a debt to a credit reporting agency, they must report that debt as disputed on your credit file and in your credit reports. Also, if you dispute a debt to one of the three major credit reporting agencies ( Experian, XXXX, or XXXX ), that particular agency must notify the other two bureaus that you dispute the debt. Failing to list the account as disputed, after a valid dispute has been sent to the credit reporting agency, is a violation of the FCRA. 

Impermissible Credit Pulls : The FCRA limits who may access your credit report and the reasons for which your credit file may be pulled. When a creditor, landlord, employer, utility company, etc. pulls your credit without your permission, or without a permissible purpose, this is a violation of the FCRA.

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