Consumer complaint received 2024-06-26
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. (MI)

I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Im aware that you as a consumer reporting agency must maintain accurate records at all times and across all credit reporting agencies on consumers files. 
Please re-investigate the completeness of the account listed within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I am asking for a thoughtful re-investigation into this matter. Your agency DID NOT complete a thoughtful investigation on this matter as the account in question is STILL erroneous, with inaccurate information across the entire account. This account needs to be completed with accurate information that matches. Your agency claims that it finished its investigation and there will be no changes which is absolutely ridiculous. 15 USC 1681n and 15 USC 1681o are both well in play here as a reasonable procedure was NOT executed to properly investigate this important information within my credit file. 

Erroneous information : Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active. 


I have highlighted the mis-matched items on the screenshot. Please make this file complete or delete it from my account as it is highly inaccurate. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. 

ACCOUNT : XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED/UPDATED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE/UPDATE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX