Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX WA XXXX ( XXXX ) XXXX Complaint Department - Credit Score Accuracy EXPERIAN XXXX XXXX  XXXX XXXX TX XXXX I am writing to dispute the Credit Score Data on my credit report is inaccurate, and NOT updated correctly as the FCRA detail and the State of Washington Consumer Credit Reporting Acts also details. According to FCRA under Title 15 Commerce and Trade, Section 1681, None of my information is being updated as True, Accurate, or with prompt relevance. Your Agency is in direct violation of the FCRA and the WACCRA.

SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting
. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 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. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Your Agency has failed to update my Credit Score appropriately and within a reasonable amount of time. Therefore, I am tendering this letter as a FORMAL NOTICE to correct that discrepancy and ERROR within your system. I will be tendering this information to the FTC and other Federal Organization to review your practices and correct this inaccuracy.

Enclosed are copies of other creditor Score Monitoring Sites, that quite plainly show a more accurate picture of my credit score and worthiness. Why your Bureau is so lack luster on updating information remains a mystery and is an FCRA failure on your part.

Please reinvestigate this CREDIT SCORE Reporting issue and your INACCURACIES PROMPTLY and correct this information in accordance to the FCRA Federal Rules. I WILL expect a favorable response from your Agency regarding this issue. Tender a Formal letter in response to the address listed above. 


Sincerely, XXXX 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