Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a XXXX XXXX XXXX, I have disputed the discrepancies on my credit report for over 10 years with very little success. I have used each agencies platform and their platforms tools that are provided to correct this information but to no avail. I am requesting that the Consumer Financial Protection Bureau investigate all three consumer reporting agencies Experian, XXXX, and XXXX on my behalf. The current discrepancies and inaccurate personal information is causing substantial damage to my credit history and impeding my ability to obtain new personal credit as well as XXXX  credit. Experian, XXXX, and XXXX are in violation of the Fair Credit Reporting Act. Specifically 15 U.S.C. 1681s-2 under the Fair Credit Reporting Act ( FCRA ). This section of the law outlines the responsibilities of those who furnish information to consumer reporting agencies ( credit bureaus ) and sets the legal obligations for ensuring the accuracy of the data they provide. I have made XXXX Consumer Financial Protection Bureau complaints in total on the following dates : XX/XX/2024, XX/XX/2024, and XX/XX/2024 for Credit reporting and Improper use of my credit report. I request that all derogatory and negative information be removed from my consumer report. According to the Fair Credit Reporting Act it is Experian, XXXX, and XXXX 's Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishers of information have a duty not to report information they know, or have reasonable cause to believe, is inaccurate. 
If the accuracy of information is disputed by a consumer, the furnisher must correct, update, or delete any inaccurate information after an investigation.

Duty to Correct and Update Information ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must update or correct any information they find to be inaccurate, incomplete, or that needs to be updated, in order to maintain the integrity of consumer reports.

Duty to Investigate Disputed Information ( 15 U.S.C. 1681s-2 ( b ) ) : Up
on receiving a notice of dispute from a credit reporting agency , the furnisher must : Conduct an investigation regarding the disputed information.

Review all relevant information provided by the agency. 
Report the results of the investigation to the credit reporting agency. 
Correct or delete any information found to be inaccurate or incomplete as a result of the investigation. 
The FCRA has established the legal grounds for consumers to dispute and rectify inaccurate credit reporting data. Private Right of Action : Under 15 U.S.C. 1681s-2 ( b ), consumers can bring legal action against furnishers who fail to comply with their investigation and correction duties once a dispute is raised with a credit reporting agency. However, consumers can not sue furnishers directly for failing to provide accurate information under 15 U.S.C. 1681s-2 ( a ) ; only state and federal agencies, like the Federal Trade Commission ( FTC ) or the Consumer Financial Protection Bureau ( CFPB ), can enforce that part of the law.