Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute and Removal of Inaccurate Information from Credit Report - Violation of FCRA and Consumer Rights Dear Sir/Madam, I am writing this letter to bring to your attention a serious matter regarding inaccurate information that is currently being reported on my credit report. It has come to my attention that XXXX XXXX XXXX Bank has provided inaccurate information about my credit card account, which is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( i ) ( 2 ) ( B ), and various other laws and regulations, including the XXXX, XXXX, and my Fourth Amendment rights. 
Under the FCRA, I have the right to privacy, as stated in 15 U.S.C. 1681 ( a ). Furthermore, Section 604 ( a ) ( 2 ) of the FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. However, it has come to my attention that XXXX XXXX XXXX Bank has provided information to your credit reporting agency without my consent or authorization. 
Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits any consumer reporting agency from including any adverse item of information in a consumer report, unless it is a record of conviction of a crime which antedates the report by more than XXXX years. The inaccurate information being reported by XXXX XXXX XXXX Bank clearly falls under the category of an adverse item, as it negatively impacts my creditworthiness and financial standing. 
Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) explicitly states that 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. In accordance with this provision, XXXX XXXX XXXX Bank is in violation of the FCRA by knowingly providing inaccurate information about my credit card account. 
I demand that you promptly investigate this matter and take immediate action to delete the inaccurate information from my credit report. Failure to do so will leave me no choice but to pursue all legal remedies available to me under the FCRA, including but not limited to initiating a lawsuit against both XXXX XXXX XXXX Bank and your credit reporting agency. 
Please provide me with a written confirmation once the investigation is complete and the inaccurate information has been removed from my credit report. I expect this matter to be resolved within the legally required timeframe of XXXX days as stipulated by the FCRA. 
I have enclosed copies of supporting documentation, including proof of the inaccurate information being reported, for your reference and further investigation. I trust that you will handle this matter with the utmost urgency and professionalism, as it has caused significant damage to my creditworthiness and financial well-being. 
Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this dispute. 
Sincerely, 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