Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Subject : Complaint Against XXXX for Violations of 15 USC Chapter 41 and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for their continuous violations of the Fair Credit Reporting Act ( FCRA ), as outlined under Title 15 USC, Chapter 41. XXXX has reported incorrect and inaccurate information on my credit report, which has caused significant harm to my financial stability and infringed on my consumer rights. 

1. Violations of 15 USC Chapter 41 XXXX has failed to comply with several key provisions of the FCRA, including but not limited to : 15 USC 1681e ( b ) - Ensuring Maximum Possible Accuracy : Credit reporting agencies are required to maintain accurate and up-to-date information on consumer reports. My report contains errors and misleading information that have not been corrected, despite my previous disputes.

15 USC 1681i - Failure to Investigate Disputes : XXXX is obligated to conduct a proper investigation of disputed information. I have submitted disputes regarding inaccuracies, yet XXXX has not adequately investigated or corrected these errors. 
15 USC 1681s-2 - Responsibility of Furnishers : XXXX has failed to ensure that information furnished by creditors is accurate and has not appropriately notified these furnishers of disputes. 
2. Harm Caused by Inaccurate Information The incorrect reporting on my consumer report has had a severe impact on my credit score and has adversely affected my ability to obtain credit, secure favorable interest rates, and pursue financial opportunities. This has resulted in financial and emotional distress, violating my rights as a consumer.

3. Specific Inaccuracies Reported Example : Account Number XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX : The account is incorrectly reported as a Charge-off with an unpaid balance of {$420.00}. Despite my evidence and multiple disputes, XXXX has failed to correct or delete this inaccurate information. 
Requested Actions by CFPB Conduct a Comprehensive Investigation : Investigate XXXX 's practices concerning the handling of consumer disputes and the maintenance of accurate credit reporting. 
Hold TransUnion Accountable : Impose necessary penalties and require XXXX to comply with the FCRA, including correcting or removing the inaccurate information. 
Mandate Consumer Relief : Ensure that XXXX provides an updated credit report reflecting accurate and fair information, and offer remedies for the harm caused. 
Supporting Documentation I have attached copies of my credit report, dispute letters, and additional evidence to support my claims. 

I urge the Consumer Financial Protection Bureau to take immediate action to protect my rights and hold XXXX accountable for these serious violations. Thank you for your attention and assistance in addressing this matter.

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