Consumer complaint received 2024-10-22 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: RI

Complaint narrative:
RE : XXXX XXXX I am a federally protected consumer, and I am aware of my rights laid out by the FCRA . Im aware that you as a consumer reporting agency must maintain accurate records at all times.

Please investigate the bellow accounts validity within my consumer report that you maintain under my name and update my report to your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines.

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be validated, DELETE it from my consumer report. 

XXXX XXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice. Failure to do so could constitute willful non-compliance.

I have attached screenshots of this XXXX account that is shown on all three bureaus on the XX/XX/XXXX report. After doing a thoughtful investigation, XXXX DELETED this erroneous account from their report. I have attached another screenshot from XX/XX/XXXX, showing that XXXX indeed deleted this account due to inaccuracy. Now this inaccurate account remains on XXXX and Experian. This account keeps coming back as verified which is absolutely ridiculous. 
I have finally sought legal counsel in this matter. I have been advised to seek legal damages against your agency, XXXX and Experian, for reporting erroneous information about me and my credit. I have been advised that I am entitled to seek damages pursuant to 15 USC 1681n and more importantly 15 USC 1681o. This has turned into a Negligent situation as your agency reports this inaccurate information in my credit file, repeatedly. 

PLEASE SEE ATTACHED SCREENSHOTS OF MY XXXX REPORT BEFORE AND AFTER XXXX DELETED THIS ACCOUNT. 

Please DELETE this erroneous, inaccurate information from my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Please DELETE this erroneous XXXX account from my credit report as XXXX did. 

Thank you for your rapid response in this very important matter, 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