Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CA
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:
I was denied credit by XXXX XXXX XXXX for a credit card. The " key reasons '' provided were " delinquency reported on accounts '', and " recent delinquency on revolving accounts ''. XXXX XXXX also listed a credit score of " XXXX ''. This information was obtained from Experian credit reporting agency. This denial is in violation of my federally protected rights under the Equal Opportunity Credit Act ( EOCA ) in conjunction with the Dodd Frank Act. Credit One 's denial was obtained from Experian which provided an inaccurate credit file and/or consumer report to XXXX  XXXX in violation of my consumer rights under the Dodd Frank Act, 15 USC 1681 ( e ) which states in part that CRAs must provide MAXIMUM accuracy. This caused financial harm to me as I was denied a credit card by XXXX XXXX XXXX ( see attachment ). XXXX XXXX XXXX  violated the ECOA by using the credit file and/or consumer report as a deciding factor to either approve or deny my application for a credit card. This is discrimination given that they relied solely on the inaccurate " report '' provided by Experian to make their determination. The report provided by Experian includes information as to my age, martial status, and gender which may have aided in XXXX XXXX 's decision to refuse to approve the credit card application. XXXX XXXX has violated my federally protected rights under ECOA as I have first hand knowledge of another person, who is a male of similar age and marital status, who was recently approved for a XXXX XXXX credit card, with a lower credit score, more than XXXX valid delinquent accounts, with less income and a higher debt to income ratio than what was reported to XXXX XXXX XXXX, by Experian, under my personal details. Should this complaint progress to the need for litigation, this witness, among several others that I have been able to identify, are willing to be deposed and/or testify in court and provide pertinent evidence to these facts against XXXX XXXX XXXX . 
Experian continues to recklessly, continuously, consistently, and negligently violate my federally protected rights under the Trafficking Victim Protection Act ( TVPA ), UDAAP, 15 USC 1681e, and Regulation V, as they continue to report and attribute false information to my consumer report and my credit file. I have made no less than XXXX complaints via CFPB regarding this specific violation yet it persists to date. Experian continues to recklessly, continuously, consistently, and negligently violate my federally protected rights under the Dodd Frank Act. Experian continues to recklessly, continuously, consistently, and negligently violate my federally protected rights under 15 USC 1681e which states in part that CRAs MUST maintain " MAXIMUM ACCURACY '' of the consumer report and credit file which in my case, they have not and refuse to do so. This has and continues to cause my SEVERE financial harm, defamation of character, and further victimizes me under the TVPA and UDAAP.

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