Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX, PA XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Consumer Protection Finance Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX RE Credit Reporting Bureaus ; XXXX, XXXX, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DEAR CFPB , According to the Fair Credit Reporting Act ( FCRA-15 USC1681 and its subsections ) and the Equal Opportunity Credit Act ( ECOA ) I am writing this letter to bring attention to inaccurate credit reporting, unauthorized inquiries, disputes of debt, unmailable addresses, closed and negatively reported-open ended open-ended accounts, all paid in full yet still debiting my accounts, threatening communications and retaliatory interest charges on paid accounts and reporting to 3rd parties private and transactional history. 
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XXXX XXXX XXXX XXXX ( dispute XXXX acct and 2 loan accts : all pd ; still debiting my accounts, threatening communications and retaliatory interest charges on paid accounts ; refusal to give credit increase on an open-ended accounts ) ; XXXX, XXXX : ( Paid in full and closed ) no use to me as agreed. 

XXXX XXXX- dispute acct ; paid in full 2xs on same amount ; charged off {$1500.00} on a {$1000.00} cred limit, and closed an Open ended Credit account ) reported negatively on al bureaus ; 3rd parties reported private information and transaction history XXXX XXXX XXXX XXXX ( paid in full, closed open ended account reported info to 3rd parties ; XXXX XXXX XXXX ( paid in full on contract, sending harassing and threatening communications and closed acct without access ) XXXX XXXX ( Paid in full on an open ended credit acct ) ; 3rd parties XXXX and XXXX-both accounts-dispute : paid in full, disrupted services on an open ended Acct ) ; 3rd parties XXXX  XXXX : ( dispute balances on all accounts- still making payments on paid in full accounts, Secured card w/ security returned, paid in full, disrupted usage, no balance increases on open ended accounts ) 3 rd parties XXXX XXXX : ( Dispute account balance ; paid in full prior to new cycle date ) 3rd parties XXXX XXXX XXXX ( dispute balances on all accounts- still making payments on paid in full accounts, Secured card w/ security returned, paid in full, disrupted usage, no balance increases on open ended accounts ) 3 rd parties XXXX  XXXX XXXX : dispute balances on all accounts- still making payments on paid in full accounts, Secured card w/ security returned, paid in full, disrupted usage, no balance increases on open ended accounts ) 3 rd parties XXXX XXXX : denied credit on 2 business and personal credit accounts-Open Ended accounts : no denial letters. 

XXXX : ( Denied credit on open ended Accounts personal and Business ( 2 ) ; Reported all my personal information to a 3rd parties ) ; private transaction history XXXX XXXX XXXX : reported and fraudulently inquired over 6 times in XXXX and its out of business in XXXX ; 3rd party XXXX XXXX : Dispute acct ; reported all my personal information to several 3rd parties without my permission. Reported pvt transaction history XXXX : Denied credit on an open ended Acct ; gave all my information to a 3rd parties XXXX : Denied Credit on an Open ended Account for personal ( GOLD ) and Business ( BLK ) ; reported my information to a 3rd parties XXXX XXXX XXXX XXXX XXXX XXXX : dispute acct, : reported my private transaction history and personal information to 3rd parties XXXX XXXX XXXX : Dispute account ; Closed an open ended credit acct, reported all information to 3rd parties XXXX  XXXX XXXX North Carolina : Denied credit accounts on open ended accounts personal and business ; reported to 3rd parties transactional history XXXX XXXX XXXX ( various LOCATIONS ) reported bank transaction history, denied credit on open ended accounts, denied new account. 

XXXX : Denied a new account and credit account-open ended acct XXXX XXXX : Closed and open ended credit account ; reported transactional history to 3rd parties XXXX XXXX : Acct in dispute, paid in full as agreed, Negatively reporting attempting to sell erroneous debt, Bank and dealership charged me to get a better rate by {$4600.00} the amount of debt, also sold a pkg for rims ans wheels that was impossible to use.

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