Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit reports with Experian and XXXX XXXX The discrepancies in the reported data, as well as the unauthorized reporting of the account as a collection charge-off, indicate a violation of my privacy rights and other applicable laws. I request an immediate investigation, removal of the account, and compensation for the damages caused by these inaccuracies. 

Inaccuracies Identified 1. High Credit : Experian : {$29000.00} XXXX : {$9500.00} XXXX. Account XXXX : Both Experian and XXXX show the account as Collections Charge-off, which constitutes a breach of privacy and a violation of my rights, as the account status was not properly communicated or authorized. 
XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Account Comments : Both bureaus indicate Charged Off Account and Account Transferred Or Sold, which is inaccurate and misleading. 
XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Violations and Impact The inconsistencies in high credit, account status, last reported date, date last active, and date of last payment across Experian and XXXX indicate severe inaccuracies. The unauthorized reporting of the account as a collection charge-off is a breach of privacy and constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This inaccurate and unauthorized reporting has caused significant harm to my credit profile and potential emotional distress. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement. 
2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized reporting of my account status as Collections Charge-off without proper communication or authorization constitutes a breach of my privacy rights.

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