Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against the credit bureaus under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), 15 U.S. Code 1681e ( b ), and 15 U.S. Code 1681i ( 5 ). I have discovered multiple inconsistencies and inaccurate information in my credit reports, which are in violation of my rights as a consumer. 

Under the FCRA, I am entitled to receive a credit report that is 100 % accurate and reflects a true and fair representation of my credit history. However, upon reviewing my credit reports from all three credit bureaus ( XXXX, Experian, and XXXX ), I have identified several inconsistencies and errors that raise serious concerns about the accuracy of the information being reported. 

Specifically, I have identified the following misleading and false accounts : 1. XXXX - XXXX : This account has been reported by all three credit bureaus, and it contains inaccurate and misleading information. I have contacted the debt collector associated with this account and requested proof of the alleged debt, specifically the alleged original application bearing my signature. Despite my repeated requests, the debt collector has failed to provide any such proof, which indicates that they are reporting misleading information. 

2. XXXX - XXXX : Similarly, this account has also been reported by all three credit bureaus, and it contains inaccurate and false information. As with the previous account, I have contacted the debt collector and requested proof of the alleged debt, including the alleged original application bearing my signature. Again, the debt collector has failed to provide any such proof, suggesting that they are reporting false information. 

These inconsistencies and failures to provide requested documentation violate both the FCRA and the FDCPA. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Furthermore, 15 U.S. Code 1681i ( 5 ) requires the credit bureaus to conduct a reasonable reinvestigation upon receiving a consumer dispute. In this case, the credit bureaus have failed to fulfill their obligations under these laws by reporting inaccurate and false accounts without conducting thorough investigations.

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action against the credit bureaus for their violations of the FCRA, FDCPA, TILA, 15 U.S. Code 1681e ( b ), and 15 U.S. Code 1681i ( 5 ). I also request that the credit bureaus rectify the inaccuracies and false accounts in my credit reports, ensuring that my credit history is accurately reflected.

I appreciate your attention to this matter and trust that you will conduct a thorough investigation to protect my rights as a consumer. Please provide me with any updates or actions taken regarding this complaint.

Thank you for your assistance. 

Sincerely, XXXX XXXX