Consumer complaint received 2024-08-04 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: AR

Complaint narrative:
XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate information reported by XXXX XXXXXXXX on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies in the reported data are significant and have led to a misrepresentation of my credit profile. Additionally, there is a concern regarding a breach of privacy, as my personal information appears to have been improperly shared with third parties without my consent. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations.

Inaccuracies Identified 1. High Credit : Experian : {$0.00} XXXX : {$4900.00} XXXX : {$4900.00} XXXX Credit Limit XXXX Experian : {$5500.00} XXXX XXXX {$0.00} XXXX XXXX {$5500.00} XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : Experian : Was 30 Days Late 1 Time Was 60 Days Late 1 Time Was 90 Days Late 1 Time Was 120 Days Late 1 Time Was 150 Days Late 1 Time Equifax : Was 30 Days Late 1 Time Was 60 Days Late 1 Time Was 90 Days Late 1 Time Was 120 Days Late 2 Times XXXX : No late payments reported Violations and Impact The discrepancies between the credit bureaus regarding the high credit, credit limit, date last active, date of last payment, and payment history are significant and damaging. The inconsistency in reporting late payments, with Experian and XXXX showing multiple late payments while XXXX reports none, is particularly troubling and misleading. Additionally, the unauthorized sharing of my personal information with third parties without my consent is a serious breach of privacy, causing undue stress and potential harm.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
6. Right to Privacy : The unauthorized sharing or mishandling of my account information, particularly with third parties for collections or other purposes, constitutes a breach of my privacy rights.

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