Consumer complaint received 2024-08-07 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:
I am writing to formally dispute the inaccurate and inconsistent information. The discrepancies and inaccuracies are concerning and require immediate action. I request the immediate deletion of these accounts or, at the very least, the removal of the erroneous late payments. Below, I outline the specific issues and the relevant laws that support my request for accurate reporting and possible compensation for the harm caused by these inaccuracies. 

According to the precedent set in XXXX v. XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ), it is the responsibility of the credit reporting agency to ensure the accuracy and integrity of the information they report. The failure to do so not only violates the FCRA but XXXX also lead to potential liability for damages. 

Furthermore, in XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court emphasized the importance of a reasonable investigation into disputed information. I believe that the inaccuracies in my report warrant a thorough review and correction. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Report : Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX. 
Experian Report : Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Date of First Delinquency ; XX/XX/XXXX Date of First Delinquency : XX/XX/XXXXXX/XX/XXXXXXXX Report : Open Date : XX/XX/XXXX XXXX Report : Open Date : XX/XX/XXXX XXXX BANK XXXX Report : Last Payment Made : XX/XX/XXXX Experian Report : Last Payment Made : XX/XX/XXXX XXXX Report : Last Payment Made : N/A These names, addresses and phone numbers are inaccurate and inconsistent information XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX Address ID # XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Under 15 U.S. Code XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I never gave anyone consent to furnish this information therefore you are in violation of the FCRA. 

Filed report with XXXX Reference 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