Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 had deleted this account in XXXX XXXX XXXX XXXX ( AccountAccount # XXXX ) the debt was then sold and they put it back on my credit report under a different name ( Account XXXX XXXXXXXX XXXXAccount # XXXX ) the information is inaccurate, I've made several attempts to XXXX requesting the names and business addresses of each individual with whom they verified the information above, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information, my request have been ignored. They also ignored my request to remove this unauthorized inquiry as well.I am writing this letter as a final warning before initiating legal action against XXXX XXXX for its egregious violations of the Fair Credit Reporting Act ( FCRA ) and the harm it has caused me as a result of its continued negligence, defamation of character, and emotional distress inflicted upon me due to the failure to correct my credit report. As a responsible consumer, I have consistently exercised my rights under the FCRA by disputing multiple fraudulent accounts and false late payments on my credit report, which have been inaccurately reported by XXXX. I have adhered to the FCRA guidelines by sending multiple dispute letters, and, despite having done so, XXXX has failed to respond within the legally mandated XXXX timeframe. This deliberate inaction is a direct violation of the FCRA, which imposes strict obligations on credit reporting agencies like XXXX to conduct reasonable investigations and rectify inaccuracies promptly. The specific FCRA violations that XXXX has committed include : XXXX. **Failure to Conduct Reasonable Investigations : ** XXXX has failed to conduct reasonable investigations into the fraudulent accounts and false late payments reported on my credit file, as required by 1681i ( a ) of the FCRA . 2. **Failure to Correct Errors : ** XXXX has not taken the necessary steps to correct the inaccuracies present on my credit report, as mandated by 1681i ( a ) ( 5 ) ( A ) of the FCRA The accounts in question : ( fraud ) It is important to note that XXXX and EXPERIAN XXXX two other major credit reporting agencies, have already removed the fraudulent accounts from my credit report and are actively working to rectify the inaccurate late payments. XXXX 's negligence in this matter has had severe consequences for my financial well-being and overall quality of life. As a direct result of XXXX 's inaccurate reporting and refusal to correct the errors, I have been unable to secure a credit card, obtain approval for an apartment lease, or qualify for a car loan. These restrictions have placed me in a highly unfavorable financial position and have impeded my ability to make important life decisions. Furthermore, the emotional distress caused by XXXX 's actions is immeasurable. The continuous stress, and frustration resulting from XXXX 's negligence and the resulting damage to my creditworthiness have negatively impacted my mental health and overall well-being. This letter serves as my final warning to XXXX. I demand immediate action to investigate and correct the fraudulent accounts and false late payments on my credit report, as required by the FCRA. Failure to comply with this demand within 15 days from the date of this letter will leave me with no choice but to pursue legal remedies available to me under the FCRA, including but not limited to filing a lawsuit against XXXX for negligence, defamation of character, emotional distress, and violation of the FCRA. I implore XXXX to take this matter seriously and rectify the injustices I have endured promptly. I trust that your organization will prioritize compliance with federal law and uphold its obligations to consumers.

Company response to consumer: In progress