Consumer complaint received 2024-09-26
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. (NJ)

Subject : Comprehensive Complaint Concerning Systematic Violations of the Fair Credit Reporting Act ( FCRA ) by Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I am compelled to file this formal complaint against the three primary credit reporting agencies : Experian, XXXX, and XXXX, along with specific debt collection agencies. These organizations have consistently demonstrated discrepancies, inaccuracies, and potential violations within my credit reports. Such issues have detrimentally affected my credit rating and unfairly disadvantaged me in financial transactions. 

Detailed Issues and Demand for Corrective Measures : Collection Accounts with Noted Discrepancies : XXXX XXXX XXXX- XXXX XXXXXXXX XXXX. 

Account XXXX : XXXX XXXX XXXX : {$1300.00}, reported as fully unpaid. 
Opened On : XX/XX/XXXX Concern : This account appears as a collection without proper debt validation. 
Legal Precedent : XXXX XXXX XXXX XXXX XXXX illustrates that continuing collection efforts without confirming debt validity breaches the FDCPA. 
Related Case : XXXX v. XXXX XXXX XXXX XXXX supports this claim with similar findings of improper debt reporting. 
XXXX XXXX XXXX - XXXX XXXX XXXX. 

Account XXXX : XXXX XXXX XXXX : {$840.00}, reported as fully unpaid. 
Opened On : XX/XX/XXXX Concern : Reports show inaccurate account status and a lack of payment history. 
Legal Precedent : XXXX v. XXXX & XXXX mandates that debt XXXX provide a precise and complete payment record. 
XXXX XXXX - XXXX XXXX Bank XXXX. 

Account XXXX : XXXX XXXX XXXX : {$660.00}, reported as fully unpaid. 
Opened On : XX/XX/XXXX Concern : Persistent 'collection ' status without evidence of active collection practices. 
Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX enforces that XXXX must perform due diligence in investigating disputed debts. 
Necessary Actions for Resolution : In response to these significant discrepancies and the apparent legal noncompliance, I urge the CFPB to : Initiate a detailed investigation into the practices of these CRAs and the associated debt XXXX. 
Implement measures to rectify my credit reports and rectify all inaccuracies. 
Confirm these corrections and provide updated credit reports. 
Hold all accountable parties to the standards mandated by relevant consumer protection laws, preventing future discrepancies. 
The persistent mismanagement of my credit information has caused considerable personal distress and financial disadvantage. It is imperative for these agencies to adhere to established legal standards to protect consumers from such prejudicial errors. 

Additional Listed Discrepancies by Account : ALLY FINANCIAL - Inconsistent status reports ; XXXX XXXX XXXX XXXX Bank, NA supports the need for consistent reporting. 
XXXX BANK - XXXX discrepancies ; highlighted by White v. XXXX XXXX XXXX. 
XXXX XXXX SERVICES - Varying credit usage reporting ; noted in XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX FEDERAL CREDIT - Inconsistencies in payment history ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX similar FCRA violations. 
XXXX XXXX SER - Inconsistent payment history ; XXXX XXXX XXXX. 
XXXX XXXX - XXXX payment history on reports ; King v. Experian XXXX Solutions. 
XXXX XXXX AUTO FIN - Outdated negative information ; XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX VA stresses removal obligations. 
XXXX BANK - Incorrect charge-off reporting ; XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX 
Conclusion : These cases illustrate a broader pattern of reporting errors and non-compliance akin to the inaccuracies in my credit reports. I respectfully demand that the CRAs immediately review these discrepancies, correct them, and ensure all information is accurately reported as mandated by the FCRA. 

Thank you for addressing these significant concerns.