Consumer complaint received 2024-06-08 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: MS

Complaint narrative:
The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to anyone listed below written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. Experian, XXXX, XXXX, and also all the companies listed below should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all 3 bureaus and you will be able to see the proof of discrepancy within the credit bureaus. All the credit bureaus are reporting different dates of accounts being open, different charge offs, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX XXXX XXXX This company is reporting a charge off balance of {$5000.00} to Experian, XXXX, and XXXX and needs to be removed as this falls under violation of my privacy rights in the Privacy Rights Act of 1974. This inaccurate charge off is in violation of 15 USC 1681 inaccurate reporting and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it in violation of the law. This violation is also subject to a {$1000.00} fine if not removed immediately. However this company got my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XX/XX/XXXX, This company is reporting a charge off balance of {$1600.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 1681 inaccurate reporting and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. This is also in violation of my privacy rights in the Privacy Rights Act of 1974 and needs to be removed immediately. XXXX XXXX This company is reporting an inaccurate charge off balance of {$1100.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit reportXXXX XXXX XXXX XXXX This company is reporting an inaccurate charge off balance of {$8600.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XX/XX/XXXX, This company is reporting an inaccurate charge off balance of {$1100.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XX/XX/XXXX, This company is reporting an inaccurate charge off balance of {$210.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XX/XX/XXXX, This company is reporting an inaccurate charge off balance of {$470.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XX/XX/XXXX, This company is reporting an inaccurate charge off balance of {$2800.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XX/XX/XXXX, This company is reporting a bankruptcy XXXX, and XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. The bankruptcy remark is in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6802 disclosure of personal Information, also subject to {$1000.00} fine for violation of my rights. It is unlawful and they are in violation of invading my rights and I am invoking my right to opt out of them reporting this information which is inaccurate falling under 15 USC 1681. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX, This company is reporting an inaccurate charge off balance of {$23000.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XX/XX/XXXX, This company is reporting to XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This account is in violation of 15 USC 6802 obligation to disclosure of personal information. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX XXXX This company is reporting to XXXX and XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This account is in violation of 15 USC 6802 obligation to disclosure of personal information. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XX/XX/XXXX, This company is reporting an inaccurate charge off balance of {$1900.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX XXXX This company is reporting an inaccurate charge off balance of {$450.00} to Experian and XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX This company is reporting an inaccurate charge off balance of {$2400.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX, This company is reporting an inaccurate charge off balance of {$1200.00} to Experian and XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XX/XX/XXXX, This company is reporting an inaccurate charge off balance of {$730.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX This company is reporting an inaccurate charge off balance of {$7100.00} to Experian and XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX This company is reporting an inaccurate charge off balance of {$1100.00} to Experian and XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX This company is reporting an inaccurate charge off balance of {$110.00} to Experian, XXXX, and XXXX and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXXXXXX XXXX XXXXThis company is reporting an inaccurate charge off balance of {$1200.00} to XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXXXX/XX/XXXX, This company is reporting an inaccurate charge off balance of {$1100.00} to XXXX ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to my credit report. XXXX XXXX XXXX This company is reporting an inaccurate charge off balance of {$220.00} to Experian ONLY and is in violation of 15 USC 1681 inaccurate reporting. Credit bureaus have to all report the account with the right dates of open, balance, and payment history all must be the same or it is in violation, inaccurate reporting, and must be removed immediately, subject to a {$1000.00} fine per violation if not removed. This inaccurate charge off is in violation of 15 USC 6802 obligation to disclosure of personal information. This inaccurate charge off is also in violation of my privacy rights in the Privacy Rights Act of 1974 and is being reported by a third party debt collector which is now a " certificate of indebtedness '' which means it is now income and can not be reported to my credit report as it is in violation of the law. However this company obtained my information, they violated my rights by disclosing it to the credit bureaus and the credit bureaus violated my rights by reporting it to 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