Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I the consumer Pursuant to Fair Credit Reporting Act " FCRA '' 15 USC 1681a ( c ). I the consumer Is protecting by the Fair Credit Reporting Act from consumer reporting agencies reporting unfair and inaccurate credit reporting. Pursuant to 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies must exercise their grave responsible with fairness. impartiality and respect to consumer right to privacy. The account XXXX XXXX XXXX with the account number XXXX is reporting inaccurate on all three major consumer reporting agencies which violates the " FCRA ''. The account type is not reporting accurate on Experian XXXX and XXXX. The Account Status is not reporting accurate on Experian XXXX and XXXX. The Date Opened is not reporting accurate on Experian XXXX and XXXX. The Last Reported Date is not reporting accurate on Experian XXXX and XXXX. The comments on the account is not reporting accurate Experian XXXX and XXXX. The last date active is not reporting accurate on Experian XXXX and XXXX. The date last active is not reporting accurate on Experian XXXX and XXXX. The date of last payment is not reporting accurate on Experian XXXX and XXXX. I demand this account to be remove Pursuant to the Fair Credit Reporting Act " FCRA '' Violation 15 USC 1681a ( 1 ) unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, ( 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. Pursuant to violation 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. You stated that you have investigate consumer report Pursuant to 15 USC 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Consumer Reporting Agencies may furnish a consumer report pursuant to 15 USC 1681b ( a ) ( 1 ) in response with a court order or in accordance with a written instructions from the consumer. You have neither so this is a violation of the Fair Credit Reporting Act " FCRA ''. Pursuant to the " FCRA '' 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Pursuant to 15 USC 1681n ( 1 ) ( A ) of the " FCRA '' Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Pursuant to 15 USC 1681n ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

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