Consumer complaint received 2024-04-30 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 file a formal complaint regarding the improper and illegal reporting of negative information to my credit report by collection agencies, as well as the failure of Experian, XXXX, and XXXX to uphold their obligations under the law as consumer reporting agencies NOT CREDIT BUREAUS BECAUSE THAT'S NOT THEIR TITLE. ONLY THE CFPB HAS THAT RIGHT. This complaint is in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Despite my repeated attempts to address these issues with the collection agencies and credit reporting agencies, they have failed to take appropriate action to rectify the situation. Here is a summary of my efforts and the violations observed : " Inadequate Response from Credit Reporting Agencies '' : Despite providing evidence of inaccuracies and violations of the FCRA, Experian, XXXX, and XXXX have failed to adequately address my concerns. Numerous phone calls to their representatives have resulted in dismissive responses, with agents claiming that they can not assist me and that it is beyond their control to ensure compliance with the law. Furthermore, I have recorded these conversations as evidence of their unwillingness to address my legitimate grievances. 
" Verification of Debt Insufficiency '' : The mere verification of debt by collection agencies does not absolve them of their responsibility to ensure the accuracy and legality of the information they report to credit bureaus. Pursuant to the FCRA and related laws, reporting agencies are obligated to verify the accuracy of information before including it in consumer reports. 
" Failure to Ensure Compliance by Reporting Agencies '' : Experian, XXXX, and XXXX have neglected their duty to ensure that collection agencies adhere to the laws governing consumer credit reporting. Despite being aware of the inaccuracies and violations present in my credit report, they have failed to take corrective action or hold the reporting agencies accountable. 
" Disregard for Consumer Requests '' : Despite diligent efforts to communicate with the credit bureaus regarding the false and inaccurate information on my credit report, they have consistently ignored my pleas for rectification. Under the law, credit bureaus are obligated to investigate and correct any inaccuracies promptly. Their disregard for my requests is not only frustrating but also illegal. 
" Statements by the IRS '' : The IRS defines a charge-off as gross or ordinary income, which does not get reported on consumer reports. Therefore, the reporting of accounts as debts is inaccurate, as confirmed by the IRS. This further supports my claim that the information reported by the collection agencies is misleading and damaging to my creditworthiness. 
Fortunately, the Consumer Financial Protection Bureau ( CFPB ) exists precisely for situations like this. The CFPB serves as a regulatory body tasked with ensuring that financial institutions, including credit bureaus, adhere to laws and regulations designed to protect consumers. It's imperative that these negative marks on my credit report are addressed and rectified promptly, as they have significant implications for my financial well-being. 
By failing to take action on my legitimate concerns, the credit bureaus are not only violating the law but also jeopardizing my financial standing. I refuse to accept this injustice and will continue to pursue resolution through all available channels, including the intervention of the CFPB, until this matter is appropriately addressed. 
In conclusion, I demand the following remedies : Immediate removal of all inaccurate and outdated information from my consumer report by Experian, XXXX, and XXXX. 
Enforcement of the FCRA ( 15 U.S. Code 1681 ) and related laws, including : 15 U.S. Code 1681b ( Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ) 15 U.S. Code 1681g ( FCRA - 15 U.S. Code 1681g ( a ) ( 5 ) ) 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ) 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ) 15 U.S. Code 1681q ( Obtaining information under false pretenses ) Investigation into the practices of Experian, XXXX, and XXXX to determine their compliance with consumer protection laws and guidelines. 
Compensation for the damages incurred as a result of the inaccuracies and violations present in my credit report. 
I expect these actions to be completed within 10 days from the date of this letter. Failure to comply will result in further legal action and escalation of this matter to the appropriate authorities. 
Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my creditworthiness. I NEVER CONSENTED TO THESE COMPANIES DRAGGING MY NAME THROUGH THE MUD WITH ILLEGAL PRACTICES, AND I HAVE THE RIGHT TO FAIR CREDIT REPORTING. NOTE THAT THIS IS CRIMINAL BEHAVIOR THAT I AM TALKING ABOUT AND THAT IT IS THE CFPB 'S RESPONSIBILITY TO ENSURE THAT IT DOES, AS THAT TURNS INTO ANOTHER COMPANY THAT I WILL BE TAKING LEGAL ACTION AGAINST. I am proficient about these rules and regulations, and I know lawyers who would gladly take a simple {$50000.00} payment as payment for any corporation that refused to give me the authority to have these publications taken down, so I vowed to win. For the last two years, I have been fighting. This is not a statement of entitlement ; rather, it is a statement of justice, given that, as a minority in the " American Dream, '' I am already subjected to oppression and redlining for finance.

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