Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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 XXXXXXXX XXXX, MD XXXX XXXX : XX/XX/ SSN : XXXX Subject : XXXX XXXX XXXX Account # XXXX and Account # XXXX Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding the removal of a collection account from my credit report. The collection in question was investigated and successfully removed by XXXX and XXXX, but discrepancies persist with Experian. 

I have attached documentation from a Recent credit report confirming the removal, and I kindly request your assistance in investigating and rectifying the inconsistencies with Experian. This divergence in reporting has significant implications on my credit score and financial standing. 

I kindly request your assistance in investigating and resolving this matter. If there are specific steps or additional information required from my end, please let me know promptly. I am committed to working collaboratively to ensure the accurate reporting of my credit history. 

15 U.S. Code 1681 Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise Their grave responsibilities with fairness, impartiality, and a respect for the Consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting Agencies adopt reasonable procedures for meeting the needs of commerce For consumer credit, personnel, insurance, and other information in a Manner which is fair and equitable to the consumer, with regard to the Confidentiality, accuracy, relevancy, and proper utilization of such Information in accordance with the requirements of this subchapter. 

15 U.S. Code 1681e Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures Designed to avoid violations of section 1681c of this title and to limit The furnishing of consumer reports to the purposes listed under Section 1681b of this title. These procedures shall require that prospective Users of the information identify themselves, certify the purposes for Which the information is sought, and certify that the information will be Used for no other purpose. Every consumer reporting agency shall make a Reasonable effort to verify the identity of a new prospective user and the Uses certified by such prospective user prior to furnishing such user a Consumer report. No consumer reporting agency may furnish a consumer Report to any person if it has reasonable grounds for believing that the Consumer report will not be used for a purpose listed in section 1681b of This title.

( b ) Accuracy of report 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.

By violating section 1681b for permissible purpose and 1681c for information Contained in consumer reports you are also violating compliance procedures Under this title 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer Reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any Consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified By the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate Thank you for your time and assistance. 

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