Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Urgent Request for Investigation and Immediate Blocking of Inaccurate Account Dear Experian and CFPB, I am writing to express my serious concerns regarding the inaccuracies, misleading information, and outdated data present in my recent credit report. This report has not only caused confusion but has also posed potential harm to my financial standing. I request that this account be blocked immediately due to its numerous violations of consumer protection laws. 
The following inaccuracies are clearly evident in the report : 1. **Misleading Information** : The report includes ambiguous terms such as " Account not disputed '' and " Account reported as a transferred or loss by credit grantor, '' without providing necessary context. This lack of clarity can mislead consumers regarding their credit situation. 

2. **Outdated and Unverified Data** : The report lists inconsistent credit scores ( XXXX XXXX, Experian XXXX, XXXX XXXX XXXX without clear indication of when this information was last verified. Such outdated data violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reports must be accurate and up-to-date. 

3. **Incomplete Account Details** : The report mentions various account statuses and payment histories but fails to provide sufficient details, such as the date of last activity and a clear account status. This omission violates the FCRA 's requirement for completeness and accuracy.

4. **Inaccurate Payment History** : The payment history reflects derogatory marks that do not accurately represent my payment behavior. The FCRA protects consumers from the reporting of inaccurate information that could unjustly affect their credit scores.

5. **Lack of Transparency** : Terms such as " Creditor Type, '' " Account Type, '' and " Payment Status '' are presented without adequate explanation. This can confuse consumers and is contrary to the principles of transparency mandated by the FCRA.

6. **Potential Violations of Privacy** : The report includes potentially sensitive information without clear security measu
res in place. As per the Gramm-Leach-Bliley Act ( GLBA ), consumers have a right to privacy and security regarding their personal financial information.

Given these significant concerns, I kindly ask Experian to take immediate action to block this account from my credit report. The inaccuracies and misleading information have the potential to cause substantial harm to my creditworthiness and overall financial health.

I urge the Consumer Financial Protection Bureau to investigate these practices and ensure compliance with all applicable consumer protection laws. 

Thank you for your urgent attention to this matter. I expect a prompt response and corrective action regarding my request to block this account. 

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