Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX Date : XX/XX/XXXX Subject : Formal request for removal of XXXX Auto account ( Account Number : XXXX ) due to inaccurate information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) Legal Department of Experian XXXX XXXX XXXX XXXX XXXX Texas XXXX Dear Legal Department of Experian : I am writing to you as a consumer affected by the inaccurate information reported on my credit report. This failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) concerns account number XXXX, related to XXXX XXXX, which has been the subject of multiple disputes that have not been adequately addressed by your company. 

Facts and Context On multiple occasions, I have requested the correction and removal of inaccurate information associated with this account. However, Experian has failed to conduct a thorough investigation or provide a detailed description of the process, which constitutes a violation of the FCRA. Below are the specific violations identified : Section 609 ( 15 U.S.C. 1681g ) Right to Accurate Information : Experian has failed to fulfill its obligation to verify and provide detailed information regarding this account.

Section 611 ( 15 U.S.C. 1681i ) Request for Reinvestigation : Despite multiple formal disputes, the inaccurate information has not been corrected. I demand an independent investigation and immediate correction of the inaccurate information on my report.

Section 611 ( 15 U.S.C. 1681i ( 5 ) ) Deletion of Unverified Information : If the information can not be verified, it must be deleted from the credit report immediately.

Section 623 ( 15 U.S.C. 1681s-2 ) Responsibilities of Information Providers : The creditor, XXXX XXXX XXXX has provided incorrect information, and neither the creditor nor Experian has corrected this error, violating legal obligations.

Specific Financial Damages These inaccuracies on my credit report have had a direct and negative impact on my financial capacity, causing significant economic harm. Below, I outline the specific effects I have experienced due to this erroneous report : Loan Rejections : I have been denied personal and auto loans multiple times due to the incorrect status of the XXXX XXXX  account. This has severely limited my ability to finance urgent personal and family needs. 

XXXX XXXX XXXX : In the few instances where I have been able to obtain credit, I have been offered significantly higher interest rates because of the negative impact this account has on my XXXX XXXX. These rates have forced me to take on a heavier financial burden in the long term. 

XXXX XXXX Opportunities : Due to this inaccurate information on my credit report, I have lost opportunities to consolidate debt under more favorable terms, which has further aggravated my financial situation. 

Emotional and Financial Stress : The ongoing denials and lack of access to credit have negatively impacted my emotional well-being, causing considerable and prolonged financial stress. 

As these damages are a direct result of the violations committed by Experian under the Fair Credit Reporting Act, I am entitled to seek compensation in accordance with Section XXXX of the FCRA. 

Report to the Federal Trade Commission ( FTC ) I have submitted a detailed report to the Federal Trade Commission ( FTC ) under case number XXXX, outlining multiple violations of the FCRA. The summary of complaints includes : Violation of Section XXXX ( Right to Accurate Information ) Violation of Section XXXX ( Request for Reinvestigation and Deletion of Unverified Information ) Violation of Section XXXX ( Responsibilities of Information Providers ) Additionally, I have identified inconsistencies related to the Truth in Lending Act ( TILA ) and the Uniform Commercial Code ( UCC ), which directly affect the integrity of the information provided by XXXX XXXX and Experian. These inaccuracies have severely affected my credit, and under Section XXXX of the FCRA, I am entitled to compensation for the damages caused by these violations. 

Request for Immediate Corrective Action Therefore, I request the following : Immediate removal of the disputed account ( XXXX XXXX, Account Number : XXXX ) if it can not be verified in accordance with the law. 
A complete and detailed report of the investigation conducted by Experian regarding this account. 
Correction of any other inaccurate information related to the disputed account. 
Legal Considerations Given the failure to comply with the aforementioned provisions, I reserve the right to take the necessary legal action, including filing claims for damages under Section XXXX of the FCRA. I expect Experian to fulfill its legal obligations and address this situation with the urgency it requires. 

I request a formal written response within the timeframes stipulated by law. Failure to respond or correct this situation will result in further legal action. 

Sincerely, XXXX XXXX XXXX XXXX

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