Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #7376854
Complaint Overview
Complaint ID: 7376854
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Iowa
ZIP Code: 50208
Date Received: 2023-08-09T12:00:00-05:00
Date Sent to Company: 2023-08-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
sometime around XX/XX/XXXX, this complainant and his family moved from XXXX Iowa back to XXXX XXXX in our new residence the landlord allowed us to keep electric his name until we could change it over at XXXX XXXX XXXX XXXX XXXX Ia. sometime around XXXX XXXX, XXXX ( 3 months later ) complainant paid his outstanding bill and had electricity transferred to his new address in his name at no time did XXXX-XXXX XXXX tell me that they had sold my account to the collection agency ( XXXX XXXX ) without my permission to this violation of privacy and no rights to any previous bill as it was sold to a collection agency in violation of 15 U.S.C. 1681 sec 602 ( 4 ) PRIVACY VIOLATION XXXX essentially was paid twice for this account once by diversified and once by myself. not to mention they sold my info without my consent. about XXXX weeks later while checking my credit i noticed a collection from Diversified Adjustments who furnished this information to my consumer credit report with no contact whatsoever, in violating my privacy by buying my personal information, 1681 ( 602 ( 4 ) ) furnishing info without my express written consent 15 U.S.C 1681 ( c ) and by furnishing info they had not taken legal steps to do, never contacting myself, never giving an opportunity to have this validated or showing proof of ownership which they evidently do not have as XXXX accepted full payment, leaving us with this either XXXX XXXX me XXXX or XXXX XXXX violated numerous laws in furnishing this info to Experian consumer company. in violation of 15 U.S.C 1681 sec. ( 23 ) way to many for me to count when i noticed that this was on my credit report i contacted XXXX and informed them that they placed a collection on an account that had been paid they informed me that after they verified it would be removed XXXX years later XXXX i started working on my credit and see its still there contacted diversified again they informed me they were not removing and it would be there for some years. beyond XXXX double dipping and XXXX opening itself to numerous violations under 15 U.S.C 1681n this should immediately be removed from my consumer credit report for the numerous violation of both XXXX XXXX and XXXX. experian case # XXXX
Frequently Asked Questions
What is Complaint #7376854 about?
Complaint #7376854 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-08-09T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.