Consumer complaint received 2024-01-20 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: GA

Complaint narrative:
XXXX XXXX and EXPERIAN are reporting a account by the name of XXXX XXXX XXXX in which the information being reported is inaccurate XXXX shows that this account is still open while experian is showing this account in collections this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality the dates the accounts were last active also does not match as well XXXX shows the date as XX/XX/XXXX and experian shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. XXXX XXXX XXXX is also a third party debt collector that I do not have any contracts with and this account should not be reporting on my consumer report these are apparent unfair and deceptive debt collections practices if there is no proof of contract meaning a contract between me the consumer and XXXX XXXX XXXX with my wet ink signature on it this account should be removed. Furthermore XXXX XXXX and EXPERIAN are also reporting and account from a company by the name of XXXX this account was charged off a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. Furthermore XXXX EXPERIAN and XXXX are reporting an account from XXXX XXXXXXXX in which the dates the account was last active are being reported inaccurately XXXX shows the dates last active as XX/XX/XXXX while EXPERIAN shows the date as XX/XX/XXXX and XXXX shows the date as XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. Furthermore XXXX EXPERIAN and XXXX are also reporting a account from XXXX the balance on the account is being reported inaccurately EXPERIAN SHOWS THE ACCOUNT AS XXXX while XXXX and XXXX shows the account as XXXX the credit limit is also inaccurate EXPERIAN and XXXX show XXXX XXXX credit limit while XXXX doesnt show anything this is a violation of 15 usc 1681b EXPERIAN also shows the account as 150 days past due while XXXX shows XXXX and XXXX shows a statement saying it is XXXX or more dates this is another violation of XXXX XXXX XXXX the account was last active are also inaccurate as well EXPERIAN shows it was last active XX/XX/XXXX and XXXX and XXXX shows XX/XX/XXXX this is another violation of 15 usc 1681b. FURTHERMORE EXPERIAN XXXX and XXXX are also reporting and account from XXXX XXXX XXXX which is a third party debt collector that I have no contracts with I do not owe them any debt I demand that they provide proof of any contract I have with them with my signature on it if they can not provide this proof of contract then it must be removed the dates this account was last active are also inaccurate EXPERIAN shows XX/XX/XXXX while XXXX and XXXX both show XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality EXPERIAN XXXX XXXX and the other corporations involved have damaged my livelihood and have been unfair and deceptive towards me the consumer

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