Consumer complaint received 2025-06-27 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:
b'Unfortunately, I have identified several in accuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. However, the credit reporting agencies have not adhered to federal trade commission regulations and have failed to correct these discrepancies. Unfortunately, I have found several inaccuracies and unauthorized inquiries on my consumer report and would lithe accounts updated effective immediately. Personal information. only the nameXXXX XXXX XXXX XXXX should be present on my consumer report I would like all of the following names removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Only the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I cannot be reached nor contacted at any of these addresses.. the following addresses must be removed  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   these no mailable addresses must be removed immediately In the I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes , I want this hard inquiry removed from my consumer report . The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments Account name : XXXX XXXX Account number: XXXX This account is to stay open and active. I am not disputing this account and host of closing it. I am calling attention to the violation of 15 SC1666B timing of payments. . XXXX XXXX. 30 days late this remark on my consumer report is unlawful and violate my consumer Rice. It must be update immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated Account name: XXXX XXXX XXXX Account number: XXXX This account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX 30 days late this remark on my consumer report is unlawful and violate my consumer rights. It must be update immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated Account name: XXXX XXXX Account numberXXXX XXXX  This account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late this remark on my consumer report is unlawful and violate my consumer rights. It must be updated immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated Account name: XXXX XXXX  Account number: XXXX This account is to stay closed. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX XXXX days late this remark on my consumer report is unlawful and violate my consumer rights. It must be updates immediately. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated  Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late this remark on my consumer report is unlawful and violate my consumer rights. It must be updated immediately. DO  CLOSE THIS ACCOUNT 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated Account name: XXXX  Account number: XXXX This account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of 15 USC 1666B timing of payments. . XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late this remark on my consumer report is unlawful and violate my consumer rights. It must be updated immediately. DO NOT CLOSE THIS ACCOUNT 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updatedAccount name:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  (1 yr, 6 mos)\nThis account must be removed \nThis account was opened and furnished as the result of a data beach/identity theft . This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to XXXX or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which this company did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. XXXX XXXX XXXX XXXXThis account must be removed\nThis account was opened and furnished as the result of a data beach/identity theft . This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to XXXX  or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which this company did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law. \n\nLate payments \XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 usc 1681a 2 a (i) , it is illegal for a consumer reporting agency to report a consumers experiences and transactions; payment history, these "late payments" must be removed and this account updated immediately Per 15 usc 1681a 2 a (I) Experian a "consumer reporting Angency" cannot legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a (i) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a (i) 2) Exclusions.Except as provided in paragraph (3), the term consumer report does not include (A) subject to section 1681s3 of this title, any (i) report containing information solely as to transactions or experiences between the consumer and the person making the report; Per 15 USC 1666 (a)Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637(b) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting  late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report..\n\nCollections\nAccount name: XXXX XXXX XXXX XXXX XXXX XXXX XXXXPer FCRA  as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal XXXX XXXX XXXX XXXX XXXX XXXX per 15 USC 1681B this company does not have my permissible purpose to reflect or furnish.. This charged off account must provide proof of the charge of and update the balance to XXXX or delete the negative payment status on this account. This account is out of date, reported inaccurately, and incorrect information. It must be removed from my consumer report effective immediately and indefinitely.\n10 usc  1692GB proof of chain of title of honor Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to XXXX or delete the negative payment status on this account. This account has been paid and closed. It is reporting as paid and closed yet it is still on my consumer report. Thes collections accounts are reporting in accurately and have been opened using my personal and private information. And as a federally protected consumer, I have been a victim of identity theft This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) These companies  PROHIBITED BY LAW to furnish any public information without informing me about my consumer rights which this company did continue to furnish my public information without having permissible purposes, pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.\n\nUnauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following hard inquiries are a result of identity theft. Per 18 U.S. Code 1028A - Aggravated identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes , I want this hard inquiry removed from my consumer report . The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediatelXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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