Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
to experian from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX  Re : Demand for Deletion of Inaccurate Information in My Consumer Report To Whom It May Concern : I am writing to formally demand the deletion of inaccurate information being reported on my consumer file maintained by Experian. Specifically, I have identified erroneous information being reported by XXXX XXXX XXXXXXXX that violates several provisions of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting includes mismatched names, unknown addresses, phone numbers, and incorrect employment information. 
FAILURE TO 15 USC 1681i ( a ) and 15 USC 1681e ( b ) compliance procedures. 
failure to investigate trade line XXXX XXXX XXXX XXXXXXXX ) failure to do a re investigate as required by Federal law. 
Method of verification XXXX electronic investigation is not reliable as it will trasmit the same fraud information back and fourth between the data furnisher and the Experian consumer reporting agency continuing to report false certification, same inaccurate information. 
I tem in question has to be deleted period ... its Federal law CASE LAW EXIBIT XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681s2, Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX  XXXX is prohibited from reporting any information to a consumer reporting agency if they have actual knowledge or reasonable cause to believe that the information is inaccurate. Additionally, under section ( a ) ( XXXX ) ( B ), if the consumer has notified XXXX XXXX XXXXXXXX of inaccuracies, they must correct or delete the erroneous information. 
I have already informed XXXX XXXX XXXXXXXX of these discrepancies and have provided them with the necessary evidence to demonstrate the errors. However, they continue to report inaccurate information, in violation of their duties under the FCRA. 
Furthermore, Experian is obligated under 15 U.S. Code 1681e, ComplianceProcedures, to maintain accurate and up-to-date information in consumer reports. By continuing to report this erroneous information from XXXX XXXX XXXXXXXX, you are in violation of this provision as well. 
The specific inaccuracies on my consumer file include : Incorrect Names Incorrect address information Mismatched phone numbers Inaccurate employment details as reported by XXXX XXXX  XXXX Experian is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. By failing to delete the inaccurate information provided by XXXX XXXX XXXXXXXX, Experian is in violation of its legal obligations under the FCRA. 
As you are aware, continued reporting of inaccurate information is damaging to my credit, and as such, I demand that you immediately investigate this matter and delete the incorrect information from my file. I also request that you provide written confirmation that these inaccuracies have been removed, as well as a copy of the corrected consumer report. 
Please treat this as a formal notice under the FCRA and immediately correct the errors. XXXX XXXX XXXXXXXX is a repeat offender/ a fraudster bank, evidence is enclosed of how this fradulent bank operates on a dayly basis. 
If you fail to resolve this issue, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies available under the law.in the amount of XXXX to make me whole. 
Have your Experian Attorney and only your Experian Attorney contact me XXXX XXXXXXXX XXXX asap to discuss your payment to me for all these FCRA violations as well as the damage you Experian have caused me. I have enclosed of my credit card company annual fee that shows {$170.00} This is because of you Experian reporting false/fraud information on, my file this is outrages. Im paying XXXX  % in interest on purchases this is because you Experian continue to report the XXXX XXXX XXXXXXXX XXXX XXXX mation on my file. 
I look forward to your prompt action on this matter. 
SincerelyXXXX 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