Consumer complaint received 2024-03-15 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: LA

Complaint narrative:
Creditor : XXXX  XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. THIS ACCOUNT HAS SEVERAL DISCREPANCIES SUCH AS DATES AND AMOUNTS YET IT CAME BACK VERIFIED! 
You are in clear VIOLATION of my rights under the FCRA you have failed to conduct proper reinvestigation. I requested to have an investigation on the account below for accuracy account came back verified. I do not believe an investigation was done because it's no way the account would come back verified as accurate due to the large discrepancies and information mismatched highlighted in the attached documents. This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA. Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation. You have damaged my reputation ; I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and REMOVE this Erroneous, inaccurate account from being furnished on my Consumer report!!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Duty : a moral or legal obligation ; a responsibility. 
Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something.15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

The continued reporting of this INACCURATE information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information ; you have caused me and my family severe harm.This is a final opportunity to Cure and DELETE this INACCURATE ACOUNT! You are willfully failing to comply with requirements of the FCRA with respect I am liable to consumer damages, or punitive damages of up to {$1000.00} if you continue to violate my rights.You ARE PROHIBITED BY LAW to furnish inaccurate information you are hereby put on NOTICE that you are furnishing incorrect INACCURATE information even after I the consumer has bought it to your attention. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX WAS UNABLE TO VERIFY THIS ACCOUNT AND THE ACCURACY THEREFORE DELETED THE ACCOUNT BUT YET XXXX AND EXPERIAN CONTINUES TO VIOLATE MY RIGHTS BY FURNISHING THIS INACCURATE ACCOUNT!! Discrepancies in Reporting : The entries on my credit report are inconsistent with the legal requirements of the FCRA and FDCPA, as they do not provide a clear and accurate account of the debt. 
Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose. 
YOU ARE PROHIBITED THIS IS CAUSING SEVERE HARM TO MY XXXX STATE DELETE NOW!!! 
THIS IS THE FINAL OPPORTUNITY!

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