Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention significant concerns and violations regarding the information reported on my credit report by all three major credit bureaus : XXXX, XXXX, and Experian. I believe these violations are in clear breach of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in addressing and rectifying the issues. 

I have recently obtained copies of my credit reports from XXXX, XXXX, and Experian, and after careful review, I have identified several inaccuracies and violations. These discrepancies include, but are not limited to : 1. **Incorrect Account Information : ** reported.

2. **Identity Theft Concerns : ** result of identity theft.

3. **Discrepancies in Payment History : ** ( where payment history is inaccurately reported ) 4. **Failure to Investigate Disputed Items : ** items that were disputed but not properly investigated. 

I have taken the necessary steps to dispute these inaccuracies directly with the credit bureaus, but the issues persist. It is evident that the standard dispute resolution process has not yielded the appropriate corrections to my credit reports. I am now turning to the Consumer Financial Protection Bureau for assistance in resolving these matters promptly. 

Enclosed with this letter, you will find copies of the relevant sections of my credit reports highlighting the inaccuracies, as well as supporting documentation for the disputes I have previously filed with the credit bureaus. 

I kindly request that the Consumer Financial Protection Bureau undertake a thorough investigation into the violations on my credit reports and take the necessary steps to ensure that the credit bureaus comply with the FCRA. Additionally, I would appreciate your guidance on any further actions I should take to remedy this situation. 

I believe in the importance of accurate and fair credit reporting, and I trust that the Consumer Financial Protection Bureau will assist me in resolving these issues in a timely and effective manner. Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX here is some of the accounts and violations In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name 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 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 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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