Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

In XX/XX/XXXX I, the consumer, initiated a dispute with Experian regarding inaccuracies on my consumer report. I also submitted a CFPB complaint, complaint number XXXX, on XX/XX/XXXX in regards to the inaccurate reporting. Post the 30-day reinvestigation Experian failed to follow federally regulated laws and reasonable procedures under the Fair Credit Reporting Act and in result is in violation of these laws, which provide monetary relief/compensation to I, the consumer.

Pursuant to 15 USC 1681i ( 6 ) ( A ) a consumer reporting agency SHALL provide written notice to a consumer of the results of a reinvestigation not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. I did not authorize the agency, Experian, to contact me by other means available. 

After the CFPB complaint concluded, on XX/XX/XXXX I reached out to Experian in regards to my now updated credit report. I sent a Notice of Default with an invoice attached in regards to the outcome of the reinvestigation, the violations the agency took part in, the violations they continue to subscribe to, and how I, the consumer, is entitled to monetary relief/compensation. Per the notice of default Experian has been silent. On XX/XX/XXXX I submitted a response under the prior CFPB complaint, complaint number XXXX, in regards to Experians willful inaccuracies meant to defame my character, creditworthiness, and violate my consumer rights. 

In total, post reinvestigation, the credit reporting agency Experian has updated XXXX XXXX account, updated 4 names to reflect my correct Legal name, and has deleted 3 addresses. Deletions and updates are admission of reporting inaccurate information on my consumer report and constitutes as a direct violation of the Fair Credit Reporting Act as is requires ACCURACY of the information being reported. I, the consumer is entitled to monetary relief/compensation as per the Fair Credit Reporting Act.

My most current consumer report from Experian, dated XX/XX/XXXX report number XXXX, again reflects violations of the Fair Credit Reporting Act and Privacy Act of 1974. For one account, XXXX XXXX XXXX, Experian is reporting consumer transactional history which is in violation of my consumer rights. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) the term consumer report explicitly excludes reports containing information solely about transactions or experiences between I, the consumer, and the person making the report. There are a total of 61 reports of my private transactional history within the account and they constitute as violations.

These inaccuracies must be corrected as it impedes on my abilities as a consumer exercising their right to credit. I am requesting Experian to fix these errors immediately, reflecting 0 % utilization, ensuring that the payments on any and all of my accounts only show on-time payments on my consumer report pertaining to all my consumer credit plans, and monetary relief/compensation of {$1000.00} per violation pursuant the Fair Credit Reporting Act. These violations taken against me, the consumer, include improper conduct of reasonable procedures, deletions of inaccurate reporting, and violations in disclosing and reporting transactional history of a consumer. 

Total violations pertaining to consumer report : 70 Violations. 

PLEASE REFER TO ATTACHED INVOICE DATED XX/XX/XXXX AND INSTRUCTIONS FOR MONETARY RELIEF. MONETARY RELIEF DUE BY CHECK XX/XX/XXXX. 

EXHIBIT A Consumer Report Dated XX/XX/XXXX Report Number XXXX EXHIBIT B Experian Reinvestigation Results Dated XX/XX/XXXX Report Number XXXX EXHIBIT C Notice Of Default For Experian Dated XX/XX/XXXX EXHIBIT D Consumer Report Dated XX/XX/XXXX Report Number XXXX EXHIBIT E Invoice Dated XX/XX/XXXX