Consumer complaint received 2024-05-19
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)

What happened? 

I am filing this complaint because XXXX, Experian, and XXXX are incorrectly reporting a XXXX XXXX account dated XX/XX/year> as a collection on my credit report. This account was never a collection and its inaccurate reporting is negatively affecting my credit score and overall credit report.

Relevant USC Codes : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports - This section stipulates that no consumer reporting agency may include incorrect or outdated information in a consumer report. The presence of this incorrect collection account violates this requirement. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - This section requires consumer reporting agencies to reinvestigate and correct inaccurate information in a consumer 's file. Despite my request, XXXX, Experian, and XXXX have failed to correct the inaccuracies. 

3. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies - This section mandates that information provided to consumer reporting agencies must be accurate and complete. The refusal to correct the status of the account indicates a failure to uphold this responsibility.

4. 15 U.S. Code 1681n - Civil liability for willful noncompliance - This section states that any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer or damages of not less than {$100.00} and not more than {$1000.00}. 

5. 15 U.S. Code 1681o - Civil liability for negligent noncompliance - This section stipulates that any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer. 

6. 15 U.S. Code 1681b - Permissible purposes of consumer reports - This section specifies the circumstances under which a consumer reporting agency may furnish a consumer report. Reporting incorrect information without permissible purposes violates this code.

7. 15 U.S. Code 1681e - Compliance procedures - This section mandates that every consumer reporting agency must maintain reasonable procedures to ensure the accuracy of the information it reports. 

8. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft - This section mandates that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from an alleged identity theft, not later than four business days after receiving appropriate proof. 

9. 15 U.S. Code 1681s - Administrative enforcement - This section outlines the administrative enforcement responsibilities, ensuring compliance with the FCRA by consumer reporting agencies.

10. 15 U.S. Code 1681m - Requirements on users of consumer reports - This section details the obligations of users of consumer reports to notify consumers when adverse actions are taken based on such reports.