Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16960278

Complaint Overview

Complaint ID: 16960278

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Florida

ZIP Code: 330XX

Date Received: 2025-10-31T12:00:00-05:00

Date Sent to Company: 2025-10-31T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XX/XX/year> TO WHOM IT MAY CONCERN, I recently monitor my consumer credit report and i could not help but notice all the inaccuracies on my credit file. In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy, 15 U.S.C 1681 section 2 also states a CONSUMER reporting agency can not furnish an ACCOUNT without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card ACCOUNT under an open an CONSUMER credit plan as late for any purpose. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a CONSUMER reporting agency prepares a CONSUMER report it shall follow reasonable procedures to assure maximum possible ACCURACY of the information concerning the individual about whom the REPORT relates... Otherwise, anyone paying for your reporting services could fax, mail or email in a Fraudulent Account... I DEMAND to see verifiable proof ( i.e .. AN ORGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) that you have on file for the ACCOUNTS listed below... Your failure to positively verify these ACCOUNTS has hurt my ability to obtain credit. Under the FCRA, unverifiable ACCOUNTS must be DELETED and if you are unable to provide me a copy of verifiable proof, AN ORGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, you must DELETE the ACCOUNTS listed BELOW... I DEMAND that the following ACCOUNTS BELOW be updated to paid/never late, or paid as agreed or DELETED COMPLETLEY off my CONSUMER credit file/report IMMEDIATLY... DELETE - ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$780.00}, ACCOUNT ADDRESS : XXXX XXXX XXXX XXXX MN XXXX, ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER XXXX XXXX, BALANCE : {$440.00}, ACCOUNT ADDRESS : XXXX XXXX XXXX XXXX, MA XXXX XXXX ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, BALANCE XXXX {$6900.00}, ACCOUNT ADDRESS : P.O. XXXX XXXX XXXX VA, XXXX, ACCOUNT PHONE NUMBER : ( XXXX ) XXXX DELETE-ACCOUNT NAME : XXXX XXXX XXXX Charge Off XXXX ACCOUNT NUMBER : XXXX, BALANCE : {$16000.00}, ACCOUNT ADDRESS : P.O. XXXX XXXX XXXX OH, XXXX DELETE-ACCOUNT NAME : XXXX XXXX, BALANCE : $ XXXX DELETE-ALL-ACCOUNTS WITH BALANCES-NAME : Dept. of XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$3500.00}, XXXX BALANCE : {$630.00}, XXXX BALANCE : {$560.00}, XXXX XXXX : {$3300.00}.

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