Consumer complaint received 2023-11-10 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

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 Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

DATE, COMPANY, ADDRESS, REQUEST ORIGINATOR, DISPUTE XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, RI XXXX,, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN XXXX, Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX informacin personal XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$89.00} Amount {$89.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment Date Date of First Delinquency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX 

Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$310.00} Amount {$310.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1300.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$940.00} Amount {$960.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact CREDIT SERVICE INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1200.00} Amount {$1300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI 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