Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Experian and several times regarding the inaccurate reporting to my credit account. I initially reached out in XX/XX/XXXX, yet nothing has been done to rectify this matter. My latest attempt last month has also gone without response. Experian continues to report inaccurate information which is detrimental to my financial well-being. Experian continues to violate my consumer rights and protection as well as violating the Reasonable Credit Detailing Act ( RCDA ). 

Below is my letter to Experian detailing the inaccurate reporting to my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To resolve the accounts that are not entirely correct, I'm getting in touch with you folks at the credit bureaus. Almost all of my accounts are not reflecting the correct information, which upsets me because I was unaware that my credit score was a factor the entire time I was monitoring my report these last several days. According to my understanding of 15 U.S.C. Sec. 1681i ( a ), you are required to provide me with an update after 30 days, so please make the necessary modifications for the following account and confirm that it is entirely true. I've set my calendar to 30 days after the day this letter was mailed. Thank you very much, and I really hope you can assist me. 

XXXX. This account is paid please remove this late payment remarks XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. 15 usc 1681s- ( 2 ) ( b ) - FAILURE TO REINVESTIGATE INACCURATE INFORMATION. YOU HAVE BEEN VIOLATING MY RIGHT AS A CONSUMER. DELETE THIS ACCOUNT FROM MY CREDIT REPORT XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. 15 usc 1681s- ( 2 ) ( b ) - FAILURE TO REINVESTIGATE INACCURATE INFORMATION. YOU HAVE BEEN VIOLATING MY RIGHT AS A CONSUMER. DELETE THIS ACCOUNT FROM MY CREDIT REPORT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 usc 1681s- ( 2 ) ( b ) - FAILURE TO REINVESTIGATE INACCURATE INFORMATION. YOU HAVE BEEN VIOLATING MY RIGHT AS A CONSUMER. DELETE THIS ACCOUNT FROM MY CREDIT REPORT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 usc 1681s- ( 2 ) ( b ) - FAILURE TO REINVESTIGATE INACCURATE INFORMATION. YOU HAVE BEEN VIOLATING MY RIGHT AS A CONSUMER. DELETE THIS ACCOUNT FROM MY CREDIT REPORT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


In compliance with the Reasonable Credit Detailing Act ( RCDA ), I am requesting a comprehensive examination into the matters that are now hurting my credit report. I am aware that checking these things out with the banks that reported them directly is a step in the process. If any information is discovered to be unable to be verified, I am requesting that it be deleted in accordance with the RCDA. 

I also politely request that any adjustments that are made as a consequence of this investigation be shared with any organization that has accessed my credit report in the last six months. I really appreciate your consideration of this problem and your help during this process. 

XXXX XXXX

Company response to consumer: In progress