Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Installment accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported " late payment '' ( s ) to my XXXX consumer report which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX $ and " paid as agreed ''. i want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 

Collection XX/XX/XXXX XXXX XXXX XXXX reported an collection account of XXXX $ to my XXXX consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did XXXX XXXX XXXX properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by XXXX XXXX XXXX has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

inquiries i want the following inquires removed from my XXXX consumer report as the violate my consumer laws pursuant 15 us 1681 Permissible purposes. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Promotional Inquiries i want the following Promotional inquires removed from my XXXX consumer report as the violate my consumer laws pursuant 15 us 1681 Permissible purposes. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Review Inquiries i want the following Account Review inquires removed from my XXXX consumer report as the violate my consumer laws pursuant 15 us 1681 Permissible purposes. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

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 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  Third Party Supplemental Information Checking Account and Demand Deposit Account ( DDA ) Activity i want the following Third Party Supplemental Information removed from my XXXX consumer report as the violate my consumer laws pursuant 15 us 1681 Permissible purposes. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

XXXX XXXX XXXX. 
( XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) Requested by : XXXX XXXX XXXX Requested on : XX/XX/XXXX Experian Consumer Reporting Agency collection XX/XX/XXXX XXXX XXXX XXXX reported an collection account with a balance of XXXX $ to my Experian consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did XXXX XXXX XXXX properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by XXXX XXXX XXXX has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

on XX/XX/XXXX XXXX XXXX XXXX reported an collection account with a balance of {$670.00} to my Experian consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did XXXX XXXX XXXX properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by XXXX XXXX XXXX has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. 

Installment Loan Account XXXX XXXX. XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported " late payment '' ( XXXX ) to my Experian consumer report which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX $ and " paid as agreed ''. I want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 

XXXX and XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported " Charged off '' to my Experian consumer report which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX $ and " paid as agreed ''. I want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 


XXXX XXXX XXXX agency. 


on XX/XX/XXXX XXXX XXXX Reported " Charged off '' to my XXXX consumer report which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX $ and " paid as agreed ''. I want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 

The following derogatory remarks were left on my XXXX consumer report by XXXXXXXX XXXX XXXX 

30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX 60 days late XX/XX/XXXX which is a violation of my consumer rights pursuant 15 usc 1681 2 a ( i ) " a consumer reporting agency can not legally report the transaction and experiences of a consumer. I would like this account to remain on my consumer report but the balance updated to XXXX $ and " paid as agreed ''. I want the negative history of my transactions removed form my consumer file as it is negatively impacting my life. 

Collection On XX/XX/XXXX XXXX XXXX XXXX reported an collection account of {$670.00} to my XXXX consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did XXXX XXXX XXXX properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by XXXX XXXX XXXX has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender Which is false misleading and illegal as I have ever done any business with XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX reported an collection account of {$430.00} to my XXXX consumer report with out my expressed written consent, no proof of an contractional agreement between me and the company nor did XXXX XXXX XXXX properly validate this alleged debt. The negative reporting of this alleged debt, and The abusive, deceptive, and unfair debt collection practices by XXXX XXXX XXXX has caused me loss of jobs/ job opportunities, forced invasions of my individual privacy financial hardships and public embarrassment. After requesting proof and validation of this alleged debt I did not receive the requested information. Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender Which is false misleading and illegal as I have ever done any business with 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 non-monetary relief