Consumer complaint received 2024-08-08 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: MI

Complaint narrative:
I am filing this complaint to address the persistent issue of inaccurate derogatory items and charge-offs reported on my credit profile by Experian XXXX XXXX XXXX Despite my efforts to resolve these inaccuracies directly with the credit bureau, they have failed to correct or remove the erroneous information. My credit profile includes several charge-offs that are being inaccurately reported. These accounts are either not my responsibility or have been settled but remain incorrectly listed as charge-offs. There are additional derogatory marks on my credit profile that are outdated or unverifiable. These items have unfairly impacted my creditworthiness, livelihood and overall financial standing. I have previously disputed these inaccuracies with Experian, providing supporting documentation to substantiate my claims. Despite my disputes, the derogatory items and charge-offs remain on my profile, indicating a failure to properly investigate and correct the inaccuracies as required by law. 15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy : Under this section of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed information and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports : This law stipulates the types of information that can not be included in consumer reports beyond certain time limits. Equity jurisprudence principles demand that wrongs be remedied and fairness maintained. Clean Hands Doctrine : This principle asserts that one who seeks equity must come with clean hands. My efforts to rectify my credit profile inaccuracies demonstrate my good faith and honest conduct, warranting equitable relief. The principle of subrogation allows me to step into the shoes of the creditor to rectify any inaccuracies. In this complaint I have provided a few federal cases to support my claims. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : This case underscores the broad equitable powers of courts to ensure justice is served, including ordering remedies that ensure fairness and correct wrongs. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : This case established that creditors must ensure the accuracy of the information reported to credit bureaus. Failure to do so can result in damages awarded to the plaintiff for harm caused by inaccuracies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case highlighted the obligation of credit reporting agencies to conduct a reasonable investigation when a consumer disputes information. The court held that failure to conduct such an investigation could lead to liability for damages. 

Thank you for your assistance in resolving 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