Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My information was compromised under data breach and fraud will like items removed from my Credit The credit laws under 15 U.S.C. 1681 are part of the Fair Credit Reporting Act ( FCRA ), which is designed to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). Below are the key provisions of this law : 1. Consumer Rights Under the FCRA The FCRA provides several rights to consumers, including : Access to Information : Consumers have the right to request and obtain a free credit report from each of the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) once every 12 months. 
Right to Dispute Information : If a consumer finds inaccurate or incomplete information, they can dispute it with the CRA, which must investigate and correct or delete any inaccuracies. 
Notice of Adverse Actions : If a consumer is denied credit, employment, or insurance due to information in their credit report, they must be informed and provided the name and contact information of the CRA that provided the report. 

2. Responsibilities of Credit Reporting Agencies Accuracy Requirements : CRAs must maintain accurate and up-to-date information in consumer credit files. 
Duty to Investigate Disputes : When a consumer disputes an item, CRAs are required to investigate the claim within 30 days and correct any errors. 
Privacy and Security : CRAs can only share a consumers credit report with entities that have a legitimate purpose, such as lenders or employers ( with the consumers consent ). 

3. Obligations for Furnishers of Information ( e.g., creditors, lenders ) Reporting Accurate Information : Entities furnishing information to CRAs must ensure the data is accurate and update or correct it if inaccuracies are found. 
Responding to Disputes : They must investigate disputes forwarded to them by CRAs and provide timely corrections if errors are discovered.

4. Employment Screening Limitations Employers must obtain written consent from a consumer before accessing their credit report for employment purposes.

5. Identity Theft Protections Consumers can place a fraud alert or credit freeze on their credit reports to protect against identity theft.

6. Statutory Damages for Noncompliance Civil Liability : Consumers can sue for actual damages, statutory damages ( up to {$1000.00} ), and punitive damages in cases of willful noncompliance. 
Government Enforcement : Federal agencies like the Consumer Financial Protection Bureau ( CFPB ) or Federal Trade Commission ( FTC ) can enforce compliance. 

7. Special Provisions for Medical Debt, Tenant Screening, and More Recent amendments to the FCRA have added protections, such as limits on reporting medical debt and additional rights for tenants being screened by landlords. 

For detailed provisions, you can review the statute directly at 15 U.S.C. 1681.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation