Consumer complaint received 2024-08-29
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. (FL)

Consumer Financial Protection Bureau Complaint Date : XX/XX/year> Complainant : XXXX XXXX Email : XXXX Phone : XXXX Address : Complaint Summary : I am filing this complaint against the following entities for their failure to comply with the Fair Credit Reporting Act ( FCRA ), leading to the continued reporting of inaccurate and damaging information on my credit report : XXXX. XXXX Account XXXX : XXXX XXXX : Inaccurate reporting of payment history and balance, failure to conduct a reasonable reinvestigation. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Issue : Erroneous balance reporting, failure to properly investigate disputed information. 
XXXX. XXXX XXXX Account Number : XXXX Issue : Misrepresentation of account status, inaccurate balance reporting, inadequate reinvestigation. 
XXXX. XXXX XXXX  XXXX Account Number : XXXX Issue : Inaccurate balance and status reporting, failure to conduct a reasonable reinvestigation. 
XXXX. XXXX XXXX  Account Number : XXXX Issue : Inaccurate balance reporting, failure to correct disputed information. 
XXXX. XXXX XXXX XXXX  XXXX Account Number : XXXX / XXXX Issue : Incorrect status reporting, failure to conduct a reasonable reinvestigation. 
XXXX. XXXX XXXX Account Number : XXXX Issue : Misleading account status and balance, failure to investigate disputes. 
XXXX XXXX XXXX XXXX Account Number : XXXX  Issue : Misleading balance reporting, failure to reinvestigate disputed information. 
XXXX. XXXX XXXX Account Number : XXXX Issue : Inaccurate balance reporting, failure to correct disputed information. 

Detailed Description of the Issue : I have disputed the above accounts with the respective institutions as they contain significant inaccuracies. Despite my efforts to resolve these issues directly with the companies, including multiple written disputes citing relevant sections of the Fair Credit Reporting Act ( FCRA ), these entities have failed to correct the inaccuracies or conduct proper reinvestigations as required by law. 

The inaccurate information reported by these companies has severely damaged my creditworthiness, affecting my financial standing and causing undue stress. The reported errors include incorrect balances, misrepresented payment histories, and failure to update account statuses accurately.

These entities are in violation of the following FCRA sections : FCRA 1681e ( b ) : Obligation to ensure the accuracy of reported information.

FCRA 1681s-2 ( a ) : Obligation to report accurate and up-to-date information.

FCRA 1681i ( a ) : Requirement to conduct a reasonable reinvestigation of disputed information.

Desired Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to : 1. Ensure that the aforementioned companies comply with their legal obligations under the FCRA.

2. Mandate the immediate correction or removal of the inaccurate information from my credit report.

3. Provide oversight to ensure that these institutions properly investigate and resolve disputes.

4. Consider imposing fines or penalties on these entities for their continued noncompliance with federal law.

Supporting Documentation : I have attached copies of the dispute letters sent to each company, as well as any responses ( or lack thereof ) received from them. I am also providing my credit report, highlighting the inaccuracies in question.

Conclusion : I trust the CFPB will take swift and appropriate action to rectify these issues and hold the offending parties accountable for their violations. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX