Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account name OFFICE OF THE ATTY GEN Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XXXX XXXX Account type Child Support Status Open/Never late. 
Balance {$56000.00} Balance updated XXXX XXXX, XXXX  Monthly payment {$390.00} Last Payment Date XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Secured Loan Status Account charged off. {$1500.00} written off. {$1900.00} past due as of XXXX XXXX. 
Balance {$1900.00} Balance updated XXXX XXXX, XXXX Original balance {$1800.00} Last Payment Date XXXX XXXX, XXXX Past due amount {$1900.00} Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Credit card Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
Balance {$550.00} Balance updated XX/XX/XXXX Credit limit XXXX XXXX  Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$550.00} Account name XXXX XXXX XXXX XXXX Account number XXXX  Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Note Loan Status Account charged off. {$970.00} written off. {$1200.00} past due as of XXXX XXXX. 
Balance {$1200.00} Balance updated XXXX XXXX, XXXX Original balance $ 706 Monthly payment - Last Payment Date XX/XX/XXXX Past due amount {$1200.00} Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Utility Status Paid, Closed. {$510.00} written off. 
Last Payment Date XXXX XXXX, XXXX Account name XXXX XXXX XXXX  Account number XXXX Original creditor - Company sold XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Secured Loan Status Account charged off. {$1100.00} written off. 
Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Last Payment Date XX/XX/XXXX Account name XXXX XXXX XXXX  Account number XXXX Original creditor - Company sold - Date opened XX/XX/XXXX Open/closed Closed Status updated XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Balance updated - Original balance {$1000.00} Last Payment Date XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX sold - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Balance {$480.00} Balance updated XX/XX/XXXX Original balance {$480.00} Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  XXXX XXXX XXXX 
Company sold - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Debt Buyer Status Collection account. {$690.00} past due as of XX/XX/XXXX. 
Balance {$690.00} Balance updated XX/XX/XXXX Original balance {$690.00} Past due amount XXXX XXXXXXXX name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX sold - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$360.00} past due as of XX/XX/XXXX. 
Balance {$360.00} Balance updated XX/XX/XXXX Original balance $ 368 Monthly payment - Past due amount {$360.00} XXXX looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

Also according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information : ( a ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the conumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Also ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

also according to 15 USC 1681s-2they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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