Consumer complaint received 2025-01-12 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:
I am writing to dispute inaccurate information on my credit report. My personal information was exposed in the XXXX XXXX XXXX, and as a result, I am deeply concerned about the accuracy and security of the information being reported by your bureau. Upon reviewing my credit reports, I found errors and discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, including : - XXXX*15 U.S. Code 1681b** Permissible purposes of consumer reports- **15 U.S. Code 1681e ( b ) ** Accuracy of reporting - **15 U.S. Code 1681c-2** Blocking of information resulting from identity theft - **15 U.S. Code 1681i** Reinvestigation of disputed information - **15 U.S. Code 1681s-2** Responsibilities of furnishers of information - **15 U.S. Code 6802** Obligations regarding disclosure of personal information I am formally requesting the deletion of these charge-offs XXXX. XXXX XXXX XXXX XXXX XXXX CREDIT CARD ) - **Account Number : ** XXXX XXXX. XXXX XXXX XXXX XXXX ( AUTO LOAN ) - **Account Number : ** XXXX from my credit report pursuant to the provisions of XXXX XXXX XXXX ( XXXX ) of the Fair Credit Reporting Act ( FCRA ). This section states that consumer reporting agencies may only furnish consumer reports under permissible purposes, which include transactions initiated by the consumer, review or collection of an account, and legitimate business needs. Additionally, 15 USC 1681b ( 2 ) stipulates that information may only be disclosed with the consumer 's written consent.

I assert that the reporting of these charge-offs on my credit report does not serve a permissible purpose as defined by 15 USC 1681b ( 2 ), and I have not provided written consent for such disclosure. There is no current or ongoing legitimate business need for the inclusion of this information, nor does it pertain to any transaction initiated by me or involve the review or collection of an account.

Additionally, I have noticed that charge-offs that were previously deleted have been reinserted into my credit report without proper notice, in direct violation of **15 U.S. Code 1681i ( a ) ( 5 ) ( B ) **, which requires that reinsertion of deleted information must include a written notification to the consumer within five business days. This failure to notify me of the reinsertion further demonstrates noncompliance with federal law and creates undue harm. I am formally requesting the deletion of these charge-offs # # # Specific Discrepancies and Violations : 1. **Charge-off Accounts Reinserted Without Notification : ** - Specific charge-offs that were previously deleted from my credit report have been reinserted without providing the required five-day notice. This is a violation of **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) **. Consumers have the right to be informed of reinserted data to ensure its accuracy and legitimacy. Please investigate and provide evidence to justify the reinsertion of these accounts or delete them permanently. Account charged off as of XX/XX/year>, with no permissible purpose or written consent for reporting. 

Also I have identified more discrepancies that violate the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. 
With the XXXX XXXX XXXX XXXX accounts XXXX. XXXX XXXX XXXX XXXX XXXX CREDIT CARD ) - **Account Number : ** XXXX XXXX. XXXX XXXX XXXX XXXX ( AUTO LOAN ) - **Account Number : ** XXXX XXXX Discrepancies : ** XXXX. XXXX XXXX Credit Card XXXX XXXX Reported Balance : {$1000.00} - Charge-Off Date : XX/XX/year>- This account only appears on Experian and not on XXXX, which creates inconsistency in reporting. 

XXXX. XXXX XXXX XXXX XXXX XXXX Reported Balance : {$59000.00} - Charge-Off Date : XX/XX/year>- This account appears only on Experian and XXXX but is also XXXX in reporting. 

XXXX. **Additional XXXX XXXX Account** - Reported Balance : {$1000.00} - Account Status : Charge-Off - This account shows discrepancies in its reporting history. 

**Reasons for Dispute : ** - Inconsistency in reporting across the credit bureaus suggests potential errors in data reporting practices. According to 15 U.S.C. 1681e ( b ), a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. The lack of uniformity in reporting these accounts violates this requirement.

- Additionally, the charge-off statuses reported are not reflective of the actual payment history and account management, which further justifies the removal of these entries from my credit report.

# # # Legal Basis for My Request : Under **15 U.S. Code 1681e ( b ) **, credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The discrepancies outlined above demonstrate failures to maintain compliance with this standard.

Furthermore, **15 U.S. Code 1681i ( a ) ** requires a reinvestigation of disputed information within 30 days, and **15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ** mandates notification of any reinsertion of previously deleted information. Your failure to notify me of these reinstated charge-offs directly violates this statute.

Finally, **15 U.S. Code 6802** ensures my right to control the disclosure of my personal financial information. The unauthorized or inaccurate reporting of my credit data compromises this right.

# # # Resolution Requested : 1. **Investigate the discrepancies and reinvestigate the accuracy of the accounts listed above. ** 2. **Provide written verification of your findings or delete any unverifiable information. ** 3. **Delete any charge-offs or other inaccurate accounts that were reinserted without proper notice. ** 4. **Provide me with a corrected copy of my credit report once the changes have been made. ** I have enclosed a copy of my identification, proof of address, and highlighted copies of my credit reports showing the discrepancies for your reference.

Please treat this dispute with urgency and resolve these matters within the 30-day investigation period mandated by the FCRA. Failure to resolve these issues accurately and in compliance with the law may result in me pursuing further legal remedies.

Thank you for your prompt attention to 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