Consumer complaint received 2025-02-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed/Never Late. 
Status Updated XX/XX/XXXX Original Balance {$3300.00} Current / Terms met XXXX Closed Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened XX/XX/XXXX Status Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Charge Off as of XX/XX/XXXX to XX/XX/XXXX Date Balance Scheduled Payment Paid CO Charge off Account Name : XXXX XXXX XXXX  - Account Number : XXXX Date Opened XX/XX/XXXX Status Transferred, closed. 
Status Updated XX/XX/XXXX Original Balance {$13000.00} CLS Closed Date Balance Scheduled Payment Paid Transferred to another lender Account Name : XXXX XXXX XXXX - Account Number : XXXX Date Opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Original Balance {$1300.00} On Record Until XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
Date Balance Scheduled Payment Paid Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Original Balance {$130.00} Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Closed CO Charge off ND Account Name : DEPT OF EDUCATION/XXXX  - Account Number : XXXX Date Opened XX/XX/XXXX Status Transferred, closed/Never late. 
Status Updated XX/XX/XXXX Original Balance {$75000.00} On Record Until XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
Account closed due to transfer. 
Current / Terms met XXXX XXXX XXXX  No data for this Account Name : XXXX XXXX XXXX - Account Number : XXXX Date Opened XX/XX/XXXX Status Closed. {$14000.00} written off. 
Status Updated XX/XX/XXXX Balance Updated XX/XX/XXXX Charge Off as of XX/XX/XXXX, XX/XX/XXXX The original amount of this account was {$14000.00} Purchased by another lender. 
XXXX XXXX XX/XX/XXXX Account In Forbearance. 
XXXX XXXX to XX/XX/XXXX Account Name : XXXX  / XXXX XXXX - Account Number : XXXX Date Opened XX/XX/XXXX Status Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1400.00} Balance Updated XX/XX/XXXX Recent Payment {$220.00} as of XX/XX/XXXX Credit Limit {$1500.00} Highest Balance {$2000.00} On Record Until XX/XX/XXXX Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Original Balance {$8500.00} On Record Until XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 
Current / Terms met XXXX Closed Account Name : XXXX  - Account Number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed/Never Late. 
Status Updated XX/XX/XXXX Credit Limit {$390.00} Highest Balance {$560.00} On Record Until XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
Current / Terms met XXXX Closed Account Name : XXXX  - Account Number : XXXX Date Opened XX/XX/XXXX Status Account charged off. {$1600.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1600.00} Balance Updated XX/XX/XXXX Credit Limit {$2200.00} Highest Balance {$2900.00} On Record Until XX/XX/XXXX XXXX Closed CO XXXX  off Charge Off as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
This item was updated from our processing of your dispute in XX/XX/XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Credit Limit {$1000.00} Highest Balance {$320.00} On Record Until XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 
Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1000.00} Account Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XXXX XXXX Credit Limit {$250.00} Highest Balance {$350.00} On Record Until XXXX XXXX Current / Terms met XXXX Closed Hard Inquiries XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX SOFT INQUIRES XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX Address XXXX XXXX XXXX, XXXX XXXX CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, EXPERIAN Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EXPERIAN Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX XXXX EXPERIAN XXXX XXXX  Inquired on : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX Inquired on : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX I Inquired on : XX/XX/XXXX and XX/XX/XXXX 15 USC 1681 Section 602 A, states I have the right to privacy.

15 USC 1681 Section 604 A, section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency my make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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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