Consumer complaint received 2024-02-26 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: TX

Complaint narrative:
VIOLATION 15 USC 1681e(b) ACCURACY OF REPORT; 1681n. CIVIL LIABILTY
FOR WILLFULL NONCOMPLIANCE 
XXXX  has violated my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681e(b). On
XX/XX/XXXX I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely
reported. To this date the only response that I have received was a computer-generated letter stating that you
have ceased investigation of my credit reports because, in your opinion, you believe that I have used a thirdparty credit repair agency. 
Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my
original request, but I believe it to be a blatant violation of the FCRA 1681n. Civil liability for willful
noncompliance.
I informed you of the exact information that was provided inaccurately in my consumer report over XXXX  days
ago. It has been well over XXXX  days, and you have failed to update, modify, or correct the inaccurate
information. Your constant neglect has plunged me into an abyss of adverse effects such as credit card denials,
a diminished credit score, and an open-end invitation to be the disgrace of my family. Credit plays a heavy role in my life and your unreasonable reinvestigation procedures is the sole reason I lost my credit abilities. The FCRA contains a maximum possible accuracy standard whenever a Consumer Reporting Agency (CRA) is furnishing my credit, which, is held at a, substantially, higher degree than just accuracy. Unfavorably for
me, XXXX  has frequently fallen short of the maximum accuracy standard. The information on my
XXXX  consumer report is furnishing different information (referencing the accounts in this dispute) on your agency compared to the other CRAs; which, creates a misleading representation of me to other creditors and stymied my chances of receiving credit. EXACT INFORMATION FURNISHING INACCURATE ON EACH ACCOUNT:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX  Pursuant to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the term assure maximum possible accuracy is defined as: (To make certain without a doubtIn quantity or highest in degree attainablefalling or lying within the powersfree from mistake or error). Making the accounts listed in this dispute inaccurate under 15 USC 1681e(b). (I) XXXX  has published my consumer report to a third
party; (II) XXXX  failed to conduct reasonable procedures to fix or delete the inaccurate information on
my updated consumer report; (III) I have suffered emotionally from my lowered credit score and lost credit
opportunities (explained in paragraph 1). 
I have met all statutory requirements to win a claim against XXXX  within federal jurisdiction. The
following accounts are furnishing inaccurate information and must be removed from my consumer report
under 15 USC 1681e(b) accuracy of report.
I demand you remove the inaccurate information from my consumer report instantly under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than
XXXX or imprisoned not more than XXXX XXXX, or both. Remove false information from my credit as I filed this
with FTC for violation.
Last Statement: The accounts listed in this dispute are in violation of my rights under 15 USC 1681e(b). For
furnishing information inconsistent across each CRA; which, led me to suffer adverse effects of my lowered
credit score. The FCRA contains a strict liability standard that requires one violation to invoke liability against
a CRA. I do not wish to pursue a lawsuit against your agency currently if you agree to delete the inaccurate
information from my consumer report. If this inaccurate information remains, then you leave me no choice but
to take matters into my own hands. This is my XXXX request; I will also be sending a copy of this letter to the
Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not
complied with my request. I regret that I am being forced to take such action. As you are aware, federal law
requires you to respond within XXXX  days, yet you have failed to respond. Failure to comply with these federal
regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et
seq.). I will be filing a complaint with the FTC should you continue in your non-compliance. I further remind
you that, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts . You may also be liable for your willful noncompliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. Per 15 U.S. Code 1681i(a)(5)(b)Requirements relating to reinsertion of previously deleted material; If any information that has been deleted from a consumers file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX
business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means
available to the agency.
Thank you for your immediate attention to this matter. I anticipate a swift resolution.

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