Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear : XXXX, XXXX and Experian & XXXX XXXX XXXX XXXX I am writing to dispute the inaccuracy of this information contained in my credit report in regards to the Original Creditor XXXX XXXX XXXX XXXX, account number : XXXX. There are a number of discrepancies with this fraudulent account for example the account type shown is reported to be an auto loan and also reporting as a repossession, account Original Loan Amount : {$28000.00} Open Date : XX/XX/XXXX Application I.D # XXXX VEHICLE TYPE : XXXX XXXX XXXX XXXX XXXX VIN # : XXXX, This account also displays a 24 month payment history from the date opened on XX/XX/XXXX to today XX/XX/XXXX. This account is not only paid off, XXXX XXXX XXXX XXXX is reporting my transactions and experiences, to my credit report, this is a clear violation of the Fair Credit Reporting Act. According to the FCRA, I have the right to an accurate credit report. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 
FCRA Fair Credit Reporting Act also states Transactions and experiences are not supposed to be on my consumer report. The law states that a consumer has the right to opt out of having their information reported stated in 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) under the exclusions that a consumer transaction or experiences are not included on the consumer report. As provided in paragraph 3 the term consumer report does not include reports containing information solely to transactions highlighted on my credit report history. Between I, XXXX XXXX XXXX and you, XXXX XXXX XXXX XXXX is excluded from the consumer report, please delete this transaction from my consumer report please. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection Furthermore, I believe that the furnisher of this information from XXXX XXXX XXXX XXXX and you as the credit bureau Experian is an unreliable source. Their inconsistent reporting raises serious questions about their accuracy and reliability, and I request that you reinvestigate this matter thoroughly. I am formally requesting that you remove this Auto Loan/ Repossession account from my credit report due to the inaccurate and unreliable reporting. Please provide me with a written confirmation of the deletion and an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Thank you

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