Consumer complaint received 2024-02-28
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. (CA)

I am writing to file a complaint due to unresolved inaccuracies on my credit report that contravene the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., particularly focusing on the failure of the credit bureaus to accurately update and correct my credit information despite my repeated disputes and provision of supporting documentation. These inaccuracies have unjustifiably harmed my credit score and financial standing. 

**Disputed Account Details and Reasons for Correction : ** 1. XXXX XXXX XXXX : Reported with a payment history that I have honored as agreed. Despite this, the account 's portrayal may not fully reflect the positive standing of my payment history, necessitating a review to ensure accurate reporting. 

XXXX. XXXX XXXX ( CLOSED ) XXXX XXXX : This account is inaccurately listed and should be removed from my credit report. I have settled any obligations, and its presence misrepresents my creditworthiness. 

XXXX. XXXX XXXX ( CLOSED ) XXXX  XXXX : This account reflects a payment history that I have fulfilled as agreed. Clarification and confirmation of its accurate and positive reporting are required. 

XXXX. *XXXX XXXX  ( CLOSED ) XXXX  XXXX : Demonstrates a payment history honored as agreed. I request verification that this account accurately reflects my responsible credit management. 

XXXX. XXXX XXXXXXXX XXXX XXXX ( CLOSED ) XXXX  XXXX : This account, too, has a payment history that I've maintained as agreed. It is crucial that this account 's reporting accurately mirrors my consistent payments. 

XXXX. XXXX XXXX XXXX XXXX CLOSED ) XXXX XXXX : Needs removal from my credit report. Any previously outstanding issues have been resolved, and its current listing inaccurately affects my credit score. 

XXXX. XXXX XXXX XXXX, XXXX ( CLOSED ) XXXX  XXXX : This account should be removed. Following settlement or resolution, its continued appearance on my report inaccurately depicts my financial behavior and credit history. 

XXXX. XXXX XXXX XXXX XXXX CLOSED ) XXXX  XXXX : Incorrectly listed and requires removal. Its presence on my credit report is a misrepresentation of my current financial standing and resolved status. 

**Action Requested : ** I demand an immediate and thorough investigation into these accounts and the correction or removal of any inaccuracies found, in strict compliance with the FCRA . The failure to accurately report and rectify these accounts has not only diminished my credit score but has also restricted my access to financial products, leading to significant personal and financial distress. 

Furthermore, I request written confirmation of the actions taken to address each disputed account, including a detailed explanation of the investigation findings and an updated copy of my credit report post-correction. 

The persistent inaccuracies and the credit bureaus ' apparent disregard for my disputes and provided evidence underscore a broader issue of non-compliance with federal regulations designed to protect consumers. Therefore, I am seeking the intervention of the CFPB to ensure my rights under the FCRA are upheld, my credit report is corrected, and to prevent further harm to my financial health. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.