Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In Accordance with the FAIR CREDIT REPORTING ACT. The below listed Accounts has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

Listed under XXXX XXXX XXXX XXXX XXXX  '' As listed on XXXX report Account XXXX in question may not be the correct account number as there is a discrepancy between the account # listed on XXXX and Experian XXXX Account open date is inaccurate as there is also a discrepancy between the 2 reporting agencies reporting of this XXXX XXXX Credit Card Account Listed under Experian XXXX XXXX XXXX XXXX XXXX  '' As listed on Experian report Account # in question may not be the correct account number as there is a discrepancy between the account # listed on XXXX and Experian. Account open date is inaccurate as there is also a discrepancy between the 2 reporting agencies reporting of this XXXX XXXX XXXX XXXX Account. As highlighted on attached copies of credit report Listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' As listed on XXXX report. Account open date is inaccurate as there is also a discrepancy between the 2 reporting agencies reporting of this XXXX XXXX XXXX As highlighted on attached copies of credit report. As highlighted on attached copies of credit report Listed under Experian " XXXX XXXX XXXX XXXX XXXX XXXX  As listed on Experian report. Account open date is inaccurate as there is also a discrepancy between the 2 reporting agencies reporting of this XXXX XXXX  Loan As highlighted on attached copies of credit report These Accounts are knowingly being reported by Experian and XXXX. According to the laws below when I challenged/disputed requested reinvestigation of these accounts. Experian and XXXX should have conducted a proper reinvestigation of these accounts. But they did not as it shows on with the examples attached to this complaint of inaccuracies. My consumer rights are being violated and these are the laws that Experian and XXXX are breaking. 

Pursuant to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Pursuant to 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Pursuant to 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

I have attached the inaccuracy 's that are listed on my credit report I have disputed and requested multiple times the 2 accounts that I have listed above and attached to this account.

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