Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Experian, XXXX, and XXXX for their failure to ensure the accuracy of information on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

Despite my efforts to dispute the inaccurate information on my credit reports, Experian, XXXX, and XXXX have not corrected or removed the erroneous data. The following are the specific inaccuracies : XXXX XXXX ACCOUNTS Account Name : XXXX XXXX Investment Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX XXXX CLOSED XXXX Account Name : Credit XXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : XXXX XXXX, XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Issues : Showing credit limit when the account is closed, payment history XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX XXXX CLOSED XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : Navient Account Number : XXXX Date Opened : XX/XX/XXXX Issues : Payment history Account Name : XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Issues : Showing credit limit when the account is closed, payment history EXPERIAN XXXX ACCOUNTS Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX EXPERIAN CLOSED ACCOUNTS Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issues : Showing credit limit when the account is closed Account Name : Kikoff XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Issues : Showing credit limit when the account is closed, payment history Account Name : XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Issues : Showing credit limit when the account is closed, payment history In accordance with 15 USC 1681e ( b ), consumer reporting agencies are mandated to follow reasonable procedures to assure the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i ( 5 ) and 15 USC 1681i ( 5 ) ( a ), consumers have the right to dispute inaccurate information, and the agencies must investigate and correct any inaccuracies. Furthermore, 15 USC 1681s-2 obligates furnishers of information to ensure the accuracy and integrity of the information they provide to consumer reporting agencies.

Despite submitting all necessary documentation to support my dispute, Experian, TransUnion, and Equifax have failed to take corrective action within the legally required timeframe. This negligence has caused significant harm to my creditworthiness and financial well-being.

Furthermore, the following regulations support my position : 12 CFR 1006.34 ( c ) : This regulation addresses the need for accurate and complete information in debt collection communications.

12 CFR 1006.6 ( c ) : This regulation outlines the requirements for debt collectors to provide accurate information when communicating with consumers.

15 U.S.C. 1681s-2 ( a ) : This section imposes obligations on furnishers of information to ensure the accuracy and integrity of the information they provide to consumer reporting agencies.

15 U.S.C. 1666b : This section deals with the prompt correction of billing errors. 

I request the CFPB to investigate this matter and compel Experian, XXXX, and XXXX to rectify the inaccuracies on my credit reports immediately. Furthermore, I seek damages of {$1000.00} for each inaccuracy, as per the provisions of the FCRA. 

Thank you for your attention to this urgent 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