Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. However, I am writing to request the removal of inaccurate information from my credit report as allowed under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 USC 1681 ( i ) and 15 USC 1681b.

I have recently obtained a copy of my credit report and have identified several inaccuracies that are negatively impacting my creditworthiness. As a consumer, I am entitled to accurate and fair reporting of my credit information as outlined in the FCRA.

Under 15 USC 1681 ( i ) ( 7 ), Method of Verification- Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

I have the right to request the method of verification for any disputed information on my credit report. I hereby request that you provide me with details regarding the method used to verify the accuracy of the disputed information. It is essential that this verification process complies with the requirements set forth in the FCRA.

Additionally, under 15 USC 1681b, - permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 us code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. consumer reporting agencies are only permitted to furnish a consumer report for permissible purposes as defined by the law. If the inaccurate information on my credit report was provided to a third party without a permissible purpose, I request that it be removed immediately.

I am formally disputing the following inaccuracies in my credit report :. Please Remove the following inaccurate accounts : XXXX XXXX  XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) XXXX XXXX  XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) XXXX XXXX XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) XXXX XXXX XXXX XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) XXXX XXXX XXXX XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) XXXX XXXX XXXX XXXX ( this account is being reported inaccurately please remove this from my credit report immediately ) I expect full compliance with the FCRA in handling this matter and request that you provide me with a written response detailing the actions taken to address these inaccuracies.

Please send me a copy of the revised credit report once the necessary corrections have been made. Again you have 15 days from receiving this letter.

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