Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding my credit report. As a natural person, I am entitled to certain rights under 15 USC 1681, including the right to privacy and confidentiality. However, I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act by including the following items on my credit report without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

Further

more, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits a person from furnishing any inaccurate information relating to a consumer to any consumer reporting agency. I believe that the consumer reporting agencies have violated this law by including inaccurate information on my credit report. I have also noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error, including the creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, and a computation error or similar error of an accounting nature of the creditor on a statement. As the creditor did not notify me 21 days before with a statement, there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this is clearly a billing error. The items below should all be updated as agreed on my consumer report : XXXX XXXXXXXX As a consumer, I request that these accounts and inquiries be updated or removed immediately, in accordance with the Fair Credit Reporting Act. Failure to comply with this request will result in my seeking monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

Finally, I would like to reiterate that I did not authorize the following companies to access or pull my credit report, and I believe that these inquiries are fraudulent. I demand that these inquiries be removed immediately : XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Experian XXXX XX/XX/2021 XXXX I have already submitted this complaint to the Complaint portal for the State Attorney Generals OfficeXXXX XXXX XXXX XXXX XXXX and Federal Trade Commission . 

Thank you for your attention to this matter. 

Sincerely, 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