Consumer complaint received 2024-09-17 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: GA

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the handling of my credit information by your agency. As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly under Section 1681e ( b ) which mandates Compliance Procedures for Maximum Possible Accuracy. 
Upon reviewing my credit report, I have discovered several inaccuracies that raise serious doubts about the adherence to the FCRA guidelines by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason XXXX Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 

Instruction : Please delete due to a violation of 15 US Code 1681a ( XXXX ) Consumer Right to Privacy XXXX XXXXXXXX Account Number : XXXX Reason : Payment history is completely inaccurate across all 3 credit bureaus. Instruction : Please update to paid as agreed, never late. 
XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXX XXXX XXXX XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 
Instruction : This is a violation of my consumer rights, please delete immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXX XXXXXXXX XXXX XXXXr : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1666c - Prompt and fair crediting of payments Instruction : Please update to paid as agreed, never late. 

XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXX  XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXX  XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : This is a violation of my consumer rights, please delete immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under XXXX US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : This is a violation of my consumer rights, please delete immediately XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : This is a violation of my consumer rights, please delete immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : This is a violation of my consumer rights, please delete immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : This is a violation of my consumer rights, please delete immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : This is a violation of my consumer rights, please delete immediately XXXX Account Number  : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction XXXX Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report. 
XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please Delete Immediately XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.

Under Section 1681e ( b ), it is explicitly stated that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. Regrettably, the discrepancies I have encountered directly contradict this requirement. 
These inaccuracies not only misrepresent my financial standing but also potentially affect my ability to access credit and other financial services on fair terms. Furthermore, such errors can have far- reaching consequences on my financial reputation and overall well-being. 
As per the FCRA, I am formally requesting that you promptly investigate and correct these inaccuracies in my credit report. Additionally, I urge your agency to review its compliance procedures to ensure strict adherence to the FCRA guidelines in the future. Failure to do so may result in further legal action. 

Please provide me with a written response detailing the actions taken to rectify these errors within the legally mandated timeframe. Moreover, I expect confirmation that my credit report has been updated accordingly. 
I remind you of your obligation to comply with the FCRA and protect the rights of consumers like myself. Your swift attention to this matter is appreciated.

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