Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. LATE PAYMENT STATUS INCORRECT XXXX  Account Number : XXXX Under 1637 ( b ) of the XXXX. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than XXXX  days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within 30 days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me XXXX. LATE PAYMENT STATUS INCORRECT XXXX  Account Number : XXXX Under 1637 ( b ) of the XXXX. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than XXXX  days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within XXXX  days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me XXXX. LATE PAYMENT STATUS INCORRECT XXXX  Account Number : XXXX Under 1637 ( b ) of the XXXX. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than XXXX  days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within XXXX  days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me XXXX. Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 
Company has also No permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is against FCRA reporting law. Your company has taken a tax deduction as a write off and can't report that balance still owed delete this now or I will take legal action XXXX  Account Number : XXXX I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me XXXX. LATE PAYMENT STATUS INCORRECT TBOMASPIRE Account Number : XXXX** Under 1637 ( b ) of the XXXX. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than XXXX  days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within XXXX  days. I request that you delete the late payments. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts late payment and or collections, identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me XXXX. ACCT CHARGE OFF XXXX XXXX XXXX Account Number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 
Company has also No permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is against FCRA reporting law. Your company has taken a tax deduction as a write off and can't report that balance still owed delete this now or I will take legal action I request, pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me XXXX. ACCT VALIDATION XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I request you to validate the debt on this account. Reported on my credit report by acct # XXXX. Pursuant to section 611 ( a ) ( I ) ( A ) of the Fair Credit Reporting Act ( FCRA ) and the overarching guidelines of the FCRA XXXX XXXX XXXX, XXXX VI, Sections 611 ( a ) through ( d ), I am invoking my right to a detailed and meaningful investigation of disputed items listed. In line with these provisions, I request a comprehensive description of the procedure used to verify the accuracy and completeness of the information, which should be provided within fifteen ( XXXX ) days Following the completion of your investigation. This includes the name, address, and telephone number of everyone contacted regarding this alleged account, along with copies of any documents bearing my signature the purportedly established a legal binding contractual obligation to pay the amount claimed. Please be aware that the automated responses or XXXX XXXX verifications are unacceptable for addressing this matter. A detailed investigation and explicit disclosure of your verification method are required as per the statutory guidelines. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me XXXX. ACCT CHARGE OFF XXXX  XXXX Account Number : XXXX Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 
Company has also No permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is against FCRA reporting law. Your company has taken a tax deduction as a write off and can't report that balance still owed delete this now or I will take legal action I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me XXXX. LATE PAYMENT STATUS INCORRECT XXXX  Account Number : XXXX Under 1637 ( b ) of the XXXX. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than XXXX  days before the payment due date. I am requesting valid proof of this being done. Please send me proof that you sent this to me. If I dont receive this information within XXXX  days. I request that you delete the late payments. I request

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