Consumer complaint received 2024-08-29 00:00:00
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.
State: GA

Complaint narrative:
Dear Experian Credit Union, Subject : Urgent Notice Regarding Inaccurate Reporting, Violation of Rights, and Failure to Provide Necessary Documentation I am writing to formally address the severe issue of inaccurate information that has been reported to consumer reporting agencies regarding my credit profile. This misinformation has caused significant damage to my personal and financial well-being, affecting my reputation, creditworthiness, and overall quality of life. 
Legal Obligations and Violations : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), as a furnisher of information to consumer reporting agencies, you are legally obligated to provide accurate and truthful information. Specifically : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) prohibits you from reporting any information that you know or have reasonable cause to believe is inaccurate.

Additionally, you have violated my rights under several key statutes : 15 U.S.C. 1681 Section 602 ( a ) establishes my right to privacy, which has been compromised.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S. Code 1666 ( b ) outlines provisions related to billing errors, which are relevant to this dispute.

15 U.S. Code 1681- Congressional Findings and Statement of Purpose underlines the necessity for accuracy in credit reporting, which your actions have neglected.

15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b, " a creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose.

Failure to Provide Documentation : The XXXX XXXX Department has refused to provide me with the necessary Form XXXX for the alleged charge-off credit card accounts. 
SPECIFICALLY ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, This documentation is essential for me to file my taxes with the IRS. 
The refusal to provide these forms is not only obstructing my ability to comply with tax regulations but is also complicating my efforts to resolve this matter. If this situation is not rectified promptly, I will be forced to report this issue to the IRS so that they can contact you directly to obtain the necessary information. 
Demand for Immediate Action : You are hereby instructed to : Delete the erroneous account from my consumer report within XXXX calendar days. 
Provide the necessary Form XXXX for all charge-off accounts immediately. 
If you are unable to provide me with verifiable proof of the accuracy of the reported information, you must also update and remove the information listed above. Failure to respond satisfactorily with a free copy of my report after these corrections will compel me to take legal action against your company in small claims court. I will also seek monetary relief of {$1000.00} per violation currently there are XXXX separate occurrences for charge-off accounts among the above mentioned accounts which is a sum of {$55000.00} this is not to include the inaccurate lates : Defamation of Character Negligent Infliction of Emotional Distress Violations of 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1681 ADDITIONALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE NOT DELIVERABLE ADDRESSES FOR ME DELETE THESE ADDRESS FROM THE REPORT

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