Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some accounts are incomplete or inaccurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it should follow reasonable guidelines and procedures to assure maximum accuracy of the information concerning the individual whom the report relates and accuracy of identification and date of birth. These accounts : Account : XXXX Acct # : XXXX This account is not accurate nor familiar, originator is XXXX XXXX, whom Ive never had service with and not accurate on all 3 bureaus. 

Acct : XXXX XXXX Acct # : XXXX This account does not belong to me, nor have I ever had service with the originator, XXXX. They are also reported inaccurately, as well as credit being bought by another company, which is illegal. 

Account : XXXX XXXX Acct # XXXX This account is not mine, nor have I had services with XXXX According to the 3 bureaus, they are not accurate. If Im not mistaken, they were banned from doing business. 

Account XXXX XXXX XXXX Acct # XXXX, XXXX The originator of this account is XXXX. Besides being reported differently by each bureau, I would like to receive information showing that you charged it off as a loss. 

Acct : XXXX Acct # XXXX, XXXX, XXXX This account, while having several account numbers, is showing different in each bureau. There is one that is also charged off and Id like information proving it is a loss. 

Acct : XXXX XXXX Acct : 3 different account numbers, also not accurate with all bureaus and showing charged off and revolving. Id also like information of proof as loss. 

Acct : XXXX XXXX XXXX Acct : also reporting 3 different account numbers. This account is not accurate with the bureaus. Its revolving, closed, charged off, missing payments, collections, and unknown. I do not recall having an account with either. If, in fact charged off, proof of loss needs to be provided. 

Acct : XXXX XXXX XXXX Acct : Shows about 4-5 account numbers and each bureau is reporting differently, while being charged off, proof of loss needed, but Experian has removed. 

Acct : XXXX XXXX Acct # XXXX account numbers. Each bureau is reporting differently, as well as termination of XXXX no longer being able to collect. 

Acct # XXXX XXXX XXXX Acct # several different account numbers, all bureaus reporting differently, no accuracy nor does this belong to me. 

Acct XXXX XXXX XXXX Acct # Several different account numbers with no accuracy with bureaus. Account shows closed, open, collection, and missed payment. 

Acct XXXX XXXX XXXX Acct # several different account numbers as well as each bureau reporting differently. 

Acct XXXX XXXX XXXX Acct # XXXX This account is only showing on XXXX bureau, while 2 have removed. No accuracy of account. 

Acct # XXXX Acct # XXXX This account has several inaccuracies and removed from one bureau, while dating is different and payment history inaccurate. 

In accordance with the FCRA these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681b ( 2 ) and pursuant to 15 USC 1666bA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand my late payment be updated to paid on time according to these U.S laws. 
Also, remove any inaccurate accounts from my record. 

Failure to correct or remove this information after my attempts to resolve it is in violation of your obligation under the FCRA, as recently highlighted in the CFPB lawsuit against Experian ( XXXX XXXX. XXXX ).

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