Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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

Complaint:
Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( or ) XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian Credit Report Number : XXXX, Date Created : XX/XX/XXXX XXXX Credit Report Confirmation : XXXX, Date created : XX/XX/XXXX XXXX Credit Report File Number : XXXX, Date created : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Contact Number : ( XXXX ) XXXX Dear : XXXX, XXXX and Experian & XXXX XXXX I am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor XXXX XXXX There are a number of discrepancies with this fraudulent account for example the account type shown is reported to be an auto loan and also reporting as a repossession, account # XXXX in the amount of {$9100.00} with an original balance of {$19000.00}. This account also displays a 24 month payment history, this account is not only reporting transactions from XXXX of XXXX XXXX XX/XX/XXXX. According to my credit report, this account has different dates of last activity as well : XXXX reports no date, no activity and no account exist, XXXX reports no date, no activity and no account exist, meanwhile XXXX last status update was on XX/XX/XXXX. Today is XX/XX/XXXX this is a clear violation of the Fair Credit Reporting Act, according to the FCRA, I have the right to an accurate credit report. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

FCRA Fair Credit Reporting Act also states Transactions and experiences are not supposed to be on my consumer report. The law states that a consumer has the right to opt out of having their information reported stated in 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) under the exclusions that a consumer transaction or expreniece are not included on the consumer report. As provided in paragraph 3 the term consumer report does not include reports containing information solely to transactions highlighted on my credit report history. Between i, XXXX XXXX XXXX and you XXXX XXXX account # XXXX is excluded from the consumer report, please delete this transaction from my consumer report as well please. In addition you have reported a transaction on these days too : XX/XX/XXXX to XX/XX/XXXX and a repossession from XX/XX/XXXX to XX/XX/XXXX with the account type as a auto loan. Also, may you please look into the Date of last active, this is also stating that the vehicle has been repossessed, Auto Loan and late payments are reported onto my FICO report. Please remove these Transnational experiences and report accurate information. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection Furthermore, I believe that the furnisher of this information from XXXX XXXX and you as the credit bureau Experian is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this Auto Loan/ Repossession account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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