Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
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

Complaint:
I have repeatedly requested my credit reports be updated and inaccuracies removed. As well as you can see in my history all the complaints filed with the same request. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas, XXXX Subject : Complaint Regarding Violation of My Consumer Rights and Request for Settlement Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding the repeated violations of my consumer rights under the law. FCRA Title 15 U.S 1681 Permissible Purpose has not been followed by XXXX, XXXX, and Experian. Over the past year, I have been engaged in a back-and-forth correspondence with your respective organizations, attempting to address the numerous inaccuracies, late payment entries, collections, and wrongful personal information that have been persistently and erroneously reported on my credit reports. 

It is disheartening to find that despite my repeated efforts to rectify these errors, they have not been appropriately addressed, and the detrimental impact on my creditworthiness continues. I believe that your actions have violated several provisions pertaining to privacy, consent, and defamation of character, which protect consumers like myself from such injustices. 
Under Fair Credit Reporting Act Title 15 section 1681 Consumer Law, I would like to bring your attention to the following provisions that have been infringed upon : 1. Privacy : According to Law consumers are entitled to the protection of their personal information and expect it to be handled with utmost care and accuracy. The inclusion of wrongful personal information on my credit reports violates my privacy rights.

2. Consent : emphasizes the requirement of obtaining a consumer & # 39 ; s consent prior to disclosing their personal information to third parties. I have not provided consent for the inclusion of inaccurate late payment entries and collections on my credit reports.

3. Defamation of Character : prohibits the dissemination of false information that harms an individual & # 39 ; s reputation or character. The inaccurate reporting of late payments and collections has resulted in the defamation of my character and has had severe adverse consequences on my creditworthiness.

Considering the severity and persistent nature of these violations, I believe that a fair and appropriate resolution would be to offer a settlement to compensate for the damages caused. As per the law, the price per violation of these provisions is 1,000.00 per UCC section. I request that XXXX, XXXX, and Experian conduct a thorough investigation into the inaccuracies and violations outlined in my credit report and take immediate action to rectify the erroneous entries on my credit reports. Additionally, I request that you provide a written response within15, no longer than 30 days detailing the steps you will take to resolve this matter and outlining the proposed settlement offer in accordance with the FRCA And UCC provisions mentioned.

Please be aware that I have maintained meticulous records of all communications and supporting evidence, which substantiate my claims.

Failing to address this matter satisfactorily may necessitate further legal action, including filing a formal complaint with the appropriate regulatory authorities. 

I expect a prompt and fair resolution to this matter. Thank you for your immediate attention to this serious concern. I anticipate your timely response and look forward to a swift resolution that upholds the rights of consumers and promotes fair credit reporting practices. 

Yours sincerely, XXXX XXXX, without prejudice. All rights Reserved

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