Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Violation of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally notify you of several violations under the Fair Credit Reporting Act ( FCRA ) concerning my consumer credit report. After reviewing my report, I have identified multiple discrepancies and inaccuracies that I believe constitute noncompliance with both negligent and willful provisions of the FCRA. 

Specifically, I believe the following provisions of the FCRA have been violated : 15 U.S. Code 1681o - Civil Liability for Negligent Violations This section holds any person who is negligent in failing to comply with the FCRA accountable to the affected consumer. I have identified several discrepancies in my credit report that suggest your organization may have failed to follow proper procedures to ensure compliance with the FCRA.

15 U.S.C. 1681n - Civil Liability for Willful Noncompliance This section addresses civil liability for willful violations of the FCRA. Given the ongoing issues Ive encountered with my credit report, I have reason to believe that these violations may be the result of willful noncompliance, rather than inadvertent errors.

15 U.S. Code 1681e ( b ) - Accuracy of Information According to this provision, a consumer reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. After reviewing my credit report, I found significant inaccuracies that have not been corrected, despite my previous inquiries. This suggests a lack of proper verification or due diligence on your part.

To resolve these violations, I respectfully request the following actions : Delete the following accounts from my credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Charge Off Status : Account charged off. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Status : Collection account. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Debt Buyer Status : Collection account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer Status : Collection account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Status : Account charged off. 

Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Status : Account charged off. 

Account Name : XXXX Account Number : XXXX Account Type : Charge Card Status : Closed. 

Delete the following addresses from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Single Family ) XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( Single Family ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( Single Family ) XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( Apartment Complex ) XXXX XXXX XXXX, XXXX, XXXX XXXX ( Single Family ) XXXX XXXX XXXX, XXXX, XXXX XXXX ( Multifamily ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Single Family ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( Single Family ) XXXX XXXX XXXX XXXX, GA XXXX ( Single Family ) XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX Single Family ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Apartment Complex ) XXXX XXXX XXXX, XXXX, GA XXXX ( Single Family ) Delete the following inquiry from my credit file : Inquiry : XXXX XXXX Inquired on : XX/XX/XXXX On record until : XX/XX/XXXX Delete the following soft inquiries from my credit file : XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX  XXXX Inquired on : XX/XX/XXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on : XX/XX/XXXX XXXX  Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX  XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX EXPERIAN Inquired on : XX/XX/XXXX EXPERIAN Inquired on : XX/XX/XXXX EXPERIAN Inquired on : XX/XX/XXXX EXPERIAN Inquired on : XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on : XX/XX/XXXX EXPERIAN XXXX Inquired on : XX/XX/XXXX EXPERIAN XXXX Inquired on : XX/XX/XXXX EXPERIAN XXXX XXXX Inquired on : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX XXXX Inquired on : XX/XX/XXXX XXXX XXXX Inquired on : XX/XX/XXXX Thank you for your immediate attention to this matter. I look forward to your prompt response.

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