Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania [ XXXX ] To Whom It May Concern, This letter is to inform you of negative and outdated reports on my credit report and for you to update my personal information, effective immediately upon receipt of this notice. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under Title 15 U.S. Code 1681e which speaks about Compliance procedures, specifically for Identity and purposes of credit users, every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

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. 

Please update my name, address and contact info as well to : PERSON - XXXX XXXX XXXX XXXX DATE OF BIRTH - XX/XX/1988 MAILING ADDRESS XXXX XXXX XXXX, XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Update my personal information as I reported it so my Credit Report stays consistent with my information and remains in honor therefore I wont be subject to frivolous inconvenience. Any item older than ( 30 ) Thirty days please remove and update as well. Pursuant to 15 U.S. Code 1681c, Requirements relating to information contained in consumer reports, that item must be deleted from the report as soon as possible. 

Any other information other than whats been provided above is entirely inaccurate and as such represents a very serious error in your reporting. Please delete this misleading and outdated information and supply a corrected credit profile to all creditors who have received a copy within the last three months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under Federal Laws, you have ( 30 ) Thirty days to oblige this notice. 

Thanks for your time.

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 non-monetary relief