Consumer complaint received 2024-09-24 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: VA

Complaint narrative:
Experian has violated so many of my rights when it comes to credit reporting. I have DISPUTED WITH EXPERIAN ABOUT XXXX SIX TIMES. They so called properly investigate which I know they do not because they update the same inaccurate information. I have disputed so many times letting them know the are reporting charge off monthly EACH MONTH! Charge offs are not reported monthly they are only reported ONCE. Experian had violated my consumer rights so many times after updated disputes. I am seeking out damages for {$1000.00} from Experian and I will contact the federal and sue. I provided information and proof that XXXX is reporting inaccurate and they still update the wrong information. I did a complaint on XXXX and they stated that the account is with FIRST SOURCE and thats who I should reach out to. I just found out the information being given about first source from their response to the complaint I did. Thats VIOLATING another right because I did not give permission for them to give my information to any one else other than the original creditor when it came to the account. Thats one reason they are violating my rights. Another one is FCRA 15 USC Code 1681B- PERMISSIBLE PURPOSE- Permissible purpose under this law they have to provide evidence WRITTEN instruction of me authorizing them to report to my credit. WHICH THEY DID NOT GET THAT INFORMATION. Another reason is 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). THEY HAVE NOT REPORTED ACCURATE INFORMATION AND I ALSO REQUESTED FOR THAT XXXX ACCOUNT TO BE REMOVED BECAUSE OF REPORTING INACCURATE INFORMATION NUMEROUS TIMES. THE CHARGE OFF AND EACH TIME IT CHARGES OFF IT DRAGS THE LIMITATIONS OF THE DEBT. 15 USC 1681 SECTION 604 A SECTION 2- Stated a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Experian has violated that right so many times. It is given off inaccurate information when I apply for things and cant apply for things because of the reporting. I am going to speak with an attorney and request statutory damages of {$1000.00} for each violation and each account they have reporting charge offs with balances as well thats inaccurate!. If this is not looked into or removed IMMEDIATELY. I AM tired of having to express and stretch the inaccuracy of this reporting and what I find and they lie and say they investigate properly which is not true because it would not be the same. It would have been removed as I requested ABOUT FIVE TIMES ALREADY. Below I will attach the proof of inaccuracy once again, followed by the showing of them stating its staying on my credit and they have updated and found it was accurate which is not thats how I know they are not investigating it, Experian needs to do better when it comes to inaccurate reporting. I need this looked into and fixed IMMEDIATELY I AM GOING TO SEEK STATUTORY DAMAGES FOR THESE INACCURATE REPORTING ON MULTIPLE ACCOUNTS! I will provide thats information below as well! To show you its not just XXXX  experian is not investigating correctly. I will list bellow the accounts this reporting balances..thats an inaccuracy and I disputed these account as well and cfpb complained as well because of the inaccuracy.

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