Consumer complaint received 2024-11-06 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: IL

Complaint narrative:
I am writing to file a complaint regarding inaccurate information on my credit reports from XXXX, Experian, and XXXX. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protections, including 15 U.S.C. 6802 and other specific provisions governing data accuracy, dispute resolution, and consumer privacy. 

Details of Inaccuracy and Non-Compliance : XXXX Account XXXX XXXX XXXX : My reports contain multiple discrepancies in account balances, statuses, and payment histories across XXXX, Experian, and XXXX. These inconsistencies suggest a failure to follow reasonable procedures to ensure maximum possible accuracy, which violates 15 U.S.C. 1681e ( b ). 

Unresolved Disputes and Dispute Process Violations : Certain accounts, including those with XXXX XXXX XXXX XXXX were previously disputed but continue to show inaccuracies. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to reinvestigate and correct inaccuracies promptly, which does not appear to have been done in this case. 

Inaccurate Reporting on Student Loans : My student loan accounts with XXXXDept of Education are reported inconsistently across the bureaus. Some reports fail to accurately reflect payments and deferment statuses. This inaccuracy may violate 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c ( a ), as obsolete information can unfairly impact my credit score.

Furnisher Responsibilities Not Met by Creditors : Multiple furnishers of information, including XXXX XXXX XXXX and XXXXXXXX XXXX, have reported incorrect account statuses ( e.g., charged-off accounts and delinquencies ) despite being notified of disputes. This is in violation of 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1681s-2 ( b ), which obligate furnishers to provide accurate information and investigate disputes in coordination with credit bureaus. 

Unverified Inquiries : My credit reports contain the following inquiries that I did not authorize and that lack a permissible purpose under the FCRA : Ally Financial Dated XX/XX/XXXXXXXX XXXX  XXXX Dated XX/XX/XXXXXXXX XXXX XXXX XXXX Dated XX/XX/XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dated XX/XX/XXXXXXXX XXXX XXXX XXXX  Dated XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Dated XX/XX/XXXX These unverified inquiries are unjustly impacting my credit score and do not meet the standards of 15 U.S.C. 1681b, which requires inquiries to be made only with my consent or for a legally specified purpose. 

Disclosure Violations : The credit reporting agencies may not have provided complete or accurate disclosures in response to my information requests, violating 15 U.S.C. 1681g ( a ), which requires disclosure of all information in my file upon request.

Privacy Violations Under Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : If any of my financial information has been shared without authorization or my consent, this would violate 15 U.S.C. 6802, which mandates that financial institutions protect consumer privacy and limit information sharing.

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