Consumer complaint received 2024-09-16
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. (MI)

Experian has failed to fulfill its legal obligations regarding the inaccurate reporting of six accounts on my credit report, even after a formal dispute was submitted. Experian 's investigation, completed on XX/XX/year>, wrongfully determined these accounts to be accurate, in violation of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act, and Section 1031 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Experian 's failure to act has caused ongoing and significant harm to my credit profile, a situation you are legally obligated to correct.

The following six accounts have been improperly reported on my credit report, despite my dispute, and continue to negatively affect my financial standing : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX These inaccuracies have caused ongoing damage to my credit profile, severely damaging my creditworthiness and hindering my ability to obtain financial products and services. 

Experian 's actions are in violation of the following federal laws : 15 U.S. Code 1681e ( b ) : Experian is legally required to maintain procedures to ensure the accuracy of information reported to credit agencies. Experian 's failure to do so has resulted in the ongoing dissemination of inaccurate information.

15 U.S. Code 6801 and 6802 ( Gramm-Leach-Bliley Act ) : Experian is required to protect the confidentiality and accuracy of nonpublic personal information. By failing to correct these inaccuracies, Experian has violated this obligation. Experian 's failure to correct inaccuracies breaches this legal duty.

16 CFR 313.10 : Experian is prohibited from disclosing nonpublic personal information to nonaffiliated third parties without my consent. Experian continues to share this inaccurate information without obtaining my authorization, violating this regulation. At no point did I provide my consent for the disclosure of my nonpublic personal information by Experian, yet Experian continues to share inaccurate data, violating this regulation. 
12 CFR 1022.41 : As a furnisher of information, Experian is responsible for ensuring the accuracy of the data provided to consumer reporting agencies. Experian 's ongoing failure to correct these errors violates this requirement. Experian 's failure to correct these errors is a direct violation of this requirement. 
15 U.S. Code 1681s-2 : As a furnisher of information, Experian is required to promptly correct any inaccuracies upon notification. No corrective action has been taken despite my formal dispute with Experian. 
15U.S. Code 1681i ( 8 ) : Experian is required to provide a detailed explanation of their reinvestigation process within 15 days, which has not yet been provided. To date, no such explanation has been provided.

Section 1031 of the Dodd-Frank Wall Street Reform and Consumer Protection Act : Experian is prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Experian 's failure to correct these inaccuracies and Experian 's misleading determination violate these standards, causing undue harm to my creditworthiness and financial standing.