Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintainreasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA XXXX XXXX. 

Please block and remove all information from my credit report and send me an updated copy of my credit report. 


Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXX XXXX XXXX  Civil liability for willful noncompliance and XXXX XXXX XXXX XXXX Civil liability for negligent noncompliance and XXXX XXXX XXXX XXXX civil liability In multiple violations and Im entitled to monetary compensation under XXXX XXXX XXXX XXXX XXXX XXXX  ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 
In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as this information relates to the consumers experiences. 

Accounts listed below in green color highlighted and tag as in violation under XXXX XXXX XXXX XXXX XXXX XXXX XXXX billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 )  A computation error or similar error of the accounting nature of the creditor on a statement. 
clearly in Violation of the United States Code Law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must update to correct as paid on time. 

Any continuation of providing negative information required by section FCRA XXXX ( XXXX XXXX. XXXX2 ) And Accounts listed below in yelow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in 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