Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX Email : XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding the inaccurate personal information that they have reported on my credit report. I believe that their negligent reporting has resulted in significant harm to my financial reputation and has hindered my ability to access credit on fair terms. 

I have recently obtained a copy of my credit report from Experian and was dismayed to discover several errors and inaccuracies in the personal information section. These inaccuracies include incorrect addresses, outdated employment information, and erroneous account details. I am deeply concerned about the impact these inaccuracies may have on my creditworthiness and overall financial standing.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

The above information is inaccurate in their reporting. I have brought these inaccuracies to the attention of the credit bureau mentioned. I RECEIVED NO RESPONSE FOR 45 DAYS OR MORE from the bureau. There are multiple errors throughout my credit report from all three credit bureaus and it is my right to have these accounts reported accurately under the fair credit reporting laws. 

I have taken steps to ensure the accuracy of my credit report, including regularly monitoring my financial activity, promptly addressing any concerns, and maintaining good credit habits. However, despite my efforts, it appears that Experian has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate and up-to-date information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to rectify the situation promptly. Specifically, I request the following actions : Enclosed with this letter are copies of the relevant documents supporting my claims, including my credit report highlighting the inaccuracies. Please find the enclosed documents for your reference. 

Should you require any further information or documentation, please do not hesitate to contact me at the provided contact details. I eagerly await your response and the resolution of this issue. 

Best regards, 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 non-monetary relief