Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute Experian inaccurate information that is currently listed on my credit report under 15 usc 1681 ( a ) ( 1 ), ( a ) ( 2 ), 15 usc 1681a ( 1 ) ( 4 ), 15 U.S. Code 1681b, ( a ) ( 2 ), 15 usc 1681c ( 2 ) ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 15 usc 1681c-2 ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), 15 usc 1681c-2 ( c ) ( 1 ) ( b ) 15 usc 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ), ( b ). 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have any incorrect or unverifiable information removed or corrected on my credit report, as for, 15 USC 1681 Congressional Findings and Statement of Purpose. 


15 USC 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : 15 USC 1681a ( 1 ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 



15 USC 1681b ( a ) ( 2 ) ( 3 ) ( i ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

( 3 ) To a person which it has reason to believe ( i ) in connection with a business transaction that is initiated by the consumer ; or There was never a statement written nor produced by me to have such inaccurate information on my personal information. As stated above 15 usc 1681b ( a ) ( 2 ) when you ( experian ) are only allowed to furnish information, is when written to do so by the consumer ( me ) to have complete accuracy. 


15 USC 1681a ( 4 ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In this section for 15 usc 1681a ( 4 ) it CLEARLY STATESthere is a need to insure that consumer reporting agencies ( experian ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ( me ) right to privacy. 
15 USC 1681b-Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never wrote a letter to any agency ( experian ) giving any new information on ny addresses, phone numbers, employer or government name. You have ignorantly violated my rights under the fair credit practice act, i will seek litigation if the information is nor corrected in the next 10-15 days after the certified letter is accepted. 

15 USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 


( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

You ( experian ) have inaccurate personal information furnished on my Credit report. You are in violation of 15 usc 1681a ( 1 ) with unfair credit reporting methods by not receiving the correct information from the consumer ( me ) to you as the furnisher to have complete and accurate information on my report. Notice that each violation will be {$1000.00} per or equal to each violation found on this report. 


I have highlighted the items below that are inaccurate and shall be deleted from my credit report immediately. 

The specific details of the inaccuracies are as follows : Please delete the following inaccurate employers : All employers are correct at this time. 


There should be no other employer on my credit report other than, ( add name of employer here. ) Please delete the following inaccurate numbers : *All numbers are correct at this time There should only be one number on my credit report that is ( XXXX ) Please delete the following inaccurate addresses : XXXX XXXXXXXXXXXX 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 There should be only one address listed in my report, which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate names : XXXX XXXX XXXX There is only one spelling and one way my name is written, which is XXXX XXXX.

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