Consumer complaint received 2024-05-05
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)

Re : Notice of Violations and Demand for Correction of Inaccurate Credit Report Information Dear CFPB and EXPERIAN CREDIT BUREAU, I write to bring to your attention serious violations of my rights under the Fair Credit Reporting Act ( FCRA ). As a credit reporting agency, you are legally obligated to ensure the accuracy of the information contained in consumer credit reports. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information '' in consumer reports. Your failure to adhere to this requirement has caused significant harm to my creditworthiness, leading to potential reputational and financial damage. 

Despite my repeated dispute notifications, you have allowed inaccurate, incomplete, or unverified information to remain on my credit report without adequate investigation. This breach of duty is evidenced by incorrect account details, erroneous late payments, and discrepancies in reporting dates. By neglecting your obligation to ensure accuracy, you have violated my rights and jeopardized my access to fair and accurate credit information. I demand immediate correction of these violations, including the removal of inaccurate information, and an assurance that future procedures will comply with FCRA requirements. Failure to correct these violations will prompt me to pursue legal action and report this misconduct to regulatory authorities. 

Furthermore, your violation of 15 U.S.C. 1681i ( a ) ( 5 ) is evident from your failure to delete or correct inaccurate, incomplete, or unverifiable information after a consumer dispute. This statute requires credit reporting agencies to take prompt action to delete inaccurate information or correct it upon re-investigation. Yet, despite the investigation periods of 30, 60, or 90 days, you have failed to address the discrepancies in my credit report. This neglect has not only compromised my creditworthiness but also shown a blatant disregard for the FCRA 's legal mandates. 

Additionally, you have violated 15 U.S.C. 1681s-2, which prohibits furnishers from providing information they know or should reasonably know is inaccurate. Your failure to enforce compliance with this statute has resulted in the inclusion of inaccurate data, such as false late payments, inconsistent account information, and incorrect balances. By allowing these violations, you have contributed to ongoing harm to my financial standing and reputation. 

I demand immediate correction of these violations, removal of the inaccurate information, and a commitment to complying with all FCRA requirements. Your failure to act in accordance with these laws will compel me to seek further legal remedies and report these violations to the appropriate regulatory authorities. 

The accounts that I dispute for inaccuracy, incompleteness, and unauthorized reporting are as follows : XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX : Contains discrepancies in the last payment date, 2year payment history, and other compliance-related fields. 
XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX : Displays errors in the credit limit, 2-year payment history, and other critical information. 
XXXX ( XXXX ) - ( XXXX ) XXXX : Issues with the 2-year payment history, account description, and other vital details. 

XXXX ( XXXX ) - ( XXXX ) XXXX : Inconsistencies in creditor remarks and account types. No knowledge of this account delete expeditiously. 

XXXX ( Original Creditor : XXXX XXXX  ) ( XXXX ) - ( XXXX ) XXXX : This account is not mine, and its inclusion is unwarranted. No knowledge of this account delete expeditiously.