Consumer complaint received 2024-04-26 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:
Dear Sir/Madam, I am writing to address a serious issue concerning the reporting of inaccurate information on my credit report by XXXX XXXX XXXX Upon reviewing my credit report, I have discovered discrepancies in the information being reported by XXXX and Experian, specifically regarding the open dates and the number of days late on certain accounts. 

As stipulated by the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681, it is imperative that accurate information is reported by credit bureaus and creditors alike. However, the inconsistent reporting by XXXX XXXX has not only caused confusion but also potentially jeopardized my credit standing. 

Furthermore, XXXX XXXX, Experian, and XXXX are in violation of the FCRA by reporting transaction information on my credit report. It is illegal to report transaction information, such as open dates and the number of days late, as part of a consumer 's credit history. 

Moreover, XXXX XXXX is in violation of the Privacy Act of 1974, which mandates that federal agencies and their contractors, including those like XXXX XXXX who engage in activities on behalf of federal agencies, maintain accurate records and protect the privacy of individuals ' personal information. 

Additionally, I am exercising the rights granted to me by 16 CFR 433.2, which ensures that consumers have the right to dispute inaccurate information reported by creditors to credit reporting agencies. 

Upon comparing the information provided by XXXX and Experian, it has become evident that there are discrepancies in both the open dates and the number of days late on accounts associated with XXXX XXXX. Such inconsistencies not only undermine the integrity of my credit report but also hinder my ability to make informed financial decisions. 

In light of these discrepancies and in accordance with the FCRA, I hereby formally dispute the accuracy of the information being reported by XXXX XXXX, Experian, and XXXX. Furthermore, I demand that the entire account associated with the inaccurate information be promptly removed from my credit report. 

Additionally, I exercise my right under 15 USC 6802 to opt out of XXXX XXXX reporting this account to any credit reporting agency. I expect XXXX XXXX to comply with this request without delay. 

Furthermore, I demand compensation for the violations of the FCRA, Privacy Act of 1974, and 16 CFR 433.2. I demand {$1000.00} per violation, totaling {$3000.00}, as well as additional compensation for pain and suffering in the total amount of {$30000.00}. 

I expect XXXX XXXX, Experian, and XXXX to take immediate action to rectify this situation in compliance with the FCRA, the Privacy Act of 1974, and 16 CFR 433.2. This includes not only removing the inaccurate information but also ensuring that the entire account is expunged from my credit report and that my opt-out request is honored. 

Furthermore, I request that XXXX XXXX conducts a thorough review of its reporting practices to prevent such discrepancies from occurring in the future. It is crucial that accurate and consistent information is provided to credit reporting agencies to protect the financial interests of consumers. 

Please consider this letter as a formal dispute under the provisions of the FCRA, the Privacy Act of 1974, and 16 CFR 433.2. I anticipate a prompt response from XXXX XXXX, Experian, and XXXX regarding the actions taken to address this matter. If necessary, I am prepared to escalate this issue to ensure that my rights under these acts are upheld. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, 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