Consumer complaint received 2024-11-19 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: PA

Complaint narrative:
Complaint Regarding Inaccurate Information on Credit Report Violation of 15 USC 1681e ( b ), 1681s ( 2 ) and 1681i ( a ) ( 5 ) Dear Consumer Financial Protection Bureau, The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under laws 15 USC 1681 # XXXX. XXXX XXXX from : XXXX XXXX XXXX  Account # XXXX # XXXX. XXXX Account # XXXX # XXXX. XXXX XXXX  Account XXXX XXXX I looked at my Experian credit report on XX/XX/XXXX and it STILL has inaccuracies and I am writing to formally lodge a complaint regarding inaccuracies on my XXXX credit report. Upon recent review, I discovered several discrepancies that do not accurately reflect my financial history. I believe this situation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) 15 USC 1681 s ( 2 ) and 15 USC 1681i ( a ) ( 5 ). 

According to 15USC 1681 5 they are supposed to do this ( XXXX ) Treatment if inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) if any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or can not be verified agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information which has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s ( 2 ) - They are not supposed to furnish any information relationg to a consumer to ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THE INFORMATION IS INACCURATE! 

Violation of 15 USC 1681e ( b ) This provision requires consumer reporting agencies to ensure maximum possible accuracy in credit reports. The inaccurate information on my report indicates that these agencies may not be fulfilling this obligation, and the errors in my credit report are materially affecting my creditworthiness. 

Violation of 15 USC 1681i ( a ) ( 5 ) Under this statute, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. Despite my efforts to dispute the inaccuracies, the information has not been appropriately corrected, reflecting potential non-compliance with the required investigation and correction processes. 

These inaccuracies have not only caused confusion but have also had a negative impact on my credit score and potential creditworthiness. I am requesting that the CFPB investigate this matter and require the reporting agencies to take appropriate corrective actions, ensuring full compliance with the FCRA. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 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 non-monetary relief