Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: LA
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, XXXX XX/XX/2023 Experian XXXX Consumer Assistance XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute and Complaint regarding Inaccurate Information and Violation of Rights under the FCRA Dear Experian LLC and the Consumer Financial Protection Bureau XXXX I am writing this letter to express my deep concern and dispute regarding the inaccurate information that has been reported by XXXX XXXX on my credit profile. As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ) and have the right to privacy and accurate reporting of my credit information. 
According to 15 U.S.C 1681 section 602 A, I have the right to privacy, and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. However, XXXX XXXX has been reporting inaccurate information about my credit history, which is a direct violation of these provisions. 
Furthermore, 15 U.S.C 1681c ( a ) ( 5 ) clearly states that no consumer reporting agency may include any adverse item of information in a consumer report, except for records of convictions of crimes that antedate the report by more than XXXX years. XXXX XXXX 's reporting of this inaccurate information goes against this provision as well. 
Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. It is evident that XXXX XXXX has not fulfilled their duty to ensure the accuracy of the information they provide to consumer reporting agencies. 
In light of the violations mentioned above, I demand that XXXX XXXX immediately delete and suppress the account in question from my credit profile. Failure to comply with this request will leave me no choice but to seek damages for willful non-compliance with the FCRA, 1681 ( I ) s2b violation of consumer rights, XXXX, XXXX, and XXXX Amendment rights. 
Please treat this matter with utmost urgency and conduct a thorough investigation into the inaccurate reporting by XXXX XXXX. I expect a prompt response from both Experian LLC and the Consumer Financial Protection Bureau regarding the actions taken to address this dispute and complaint. 
Enclosed with this letter, you will find supporting documentation and evidence to substantiate my claim. If you require any further information or documentation, please contact me at the address provided above. 
Thank you for your attention to this matter. I look forward to a swift resolution of this dispute and a correction of the inaccurate information. 

Sincerely, 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