Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts from all 3 credit BUREAUS, reported on XX/XX/XXXX, below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willingly conspired to deprive me of human rights under color of law title 18 usc 241/242, while committing securities fraud. FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. There are inaccuracies and discrepancies in the PAYMENT HISTORY, ACCOUNT NAME, OPEN/CLOSED ACCT, ACCOUNT TYPE & ACCOUNT #. THESE INACCURACIES ARE CAUSING HARM/INJURY TO MY WELL BEING, PLEASE DELETE FROM ALL CREDIT REPORTS IMMEDIATELY XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account type : Installment Account Open/closed : Open Payment history : Accounts are reporting as Open on XXXX & EXPERIAN but XXXX are reporting them as CLOSED. 
Accounts are reporting as INSTALLMENTS ACCOUNTS for only two years of ON TIME PAYMENTS ( XXXX XXXX XXXX ) - ( XXXX XXXX XX/XX/XXXX ). XXXX has been reporting payment history since ( XXXX XXXX XXXX ) ( 5 years worth of payment history ), but XXXX & EXPERIAN are reporting two years worth of payments in the year XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account name : XXXX XXXX XXXX Account # : XXXX Open/closed : closed Account type : Installment Payment history : Accounts are reporting as INSTALLMENTS ACCOUNTS as Opened on XXXX & EXPERIAN, but XXXX are reporting them as CLOSED ACCOUNTS. 
XXXX are reporting ON TIME PAYMENTS beginning the month of XX/XX/XXXX until XX/XX/XXXX, but XXXX XXXX EXPERIAN are reporting ON TIME PAYMENTS beginning the month of XX/XX/XXXX until XX/XX/XXXX. XXXX & EXPERIAN are only reporting XXXX years worth of payment history, while XXXX has been reporting 5 years of ON TIME PAYMENT HISTORY Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian Account name XXXX XXXX XXXX XXXX  Account # : XXXX Account type : Education Open/closed : Open Payment history : Accounts are reporting as Open on XXXX & EXPERIAN but XXXX are reporting them as CLOSED. 
Accounts are reporting as Education ACCOUNT for only two years of ON TIME PAYMENTS ( XXXX XXXX XXXX ) - ( XXXX XXXX XX/XX/XXXX ). XXXX has been reporting payment history since ( XXXX XXXX XXXX  ) ( 5 years worth of payment history ),, but XXXX & EXPERIAN are reporting two years worth of payments in the year XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  : 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. FACT : 15 USC 1681 c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years FACT : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 15 U.S.C. 1681i ( d ) stipulates that if an item of information is found to be inaccurate or can not be verified, it must be promptly deleted or modified. 
( See Attachments ) FACT : ( XXXX ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly : ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

12 U.S. Code 1431 - Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers

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