Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: MS
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:
FCRA clearly states everything on a credit report must be 100 % accurate. There are many inaccuracies on my credit report, and I have disputed these items previously. They are still reporting inaccurately. 

The following accounts are violating my consumer rights and should be deleted due to that fact, XXXX. ) XXXX - ACCOUNT # XXXX XXXX. ) XXXX - ACCOUNT # XXXX XXXX. ) XXXX XXXX - ACCOUNT # XXXX XXXX. ) XXXX - ACCOUNT # XXXX XXXX. ) XXXX XXXX - ACCOUNT # XXXX XXXX. ) XXXX - ACCOUNT # XXXX XXXX. ) XXXX - ACCOUNT # XXXX XXXX. ) XXXX, NA - ACCOUNT # XXXX XXXX. ) XXXX - ACCOUNT # XXXX XXXX. ) XXXX HOME - ACCOUNT # XXXX XXXX. ) XXXX - ACCOUNT # XXXX XXXX. ) XXXX XXXX - ACCOUNT # XXXX XXXX. ) XXXX XXXX - ACCOUNT # XXXX XXXX. ) XXXX - ACCOUNT # XXXX XXXX. ) XXXX XXXX - ACCOUNT # XXXX XXXX. ) BANKRUPTCY - REF # XXXX XXXX. ) BANKRUPTCY - REF # XXXX XXXX. ) BANKRUPTCY - REF # XXXX XXXX. ) BANKRUPTCY - REF # XXXX XXXX. ) BANKRUPTCY - REF # XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 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. 

( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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 ) DUTIES OF FURNISHERS OF INFORMATION UPON NOTICE OF DISPUTE ( 1 ) IN GENERAL After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

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