Consumer complaint received 2024-07-23 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding their complicity in reporting inaccurate information from XXXX XXXX  and XXXX XXXX on my credit report. This matter concerns a violation of federal laws, particularly the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which governs access to consumer credit report records and aims to ensure accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

Upon reviewing my credit report provided by Experian, I discovered several inaccuracies attributed to information reported by XXXX XXXX  and XXXX XXXX. These inaccuracies not only undermine my creditworthiness but also infringe upon my rights as a consumer under the FCRA. Despite repeated attempts to rectify these errors by contacting Experian and providing documentation supporting the correction of erroneous information, the inaccuracies persist. 
Experian 's failure to address and correct these inaccuracies in a timely manner demonstrates their disregard for federal laws and consumer rights. Their complicity in reporting inaccurate information has not only harmed my financial standing but also violates the fundamental principles of fairness and accuracy mandated by the FCRA. 
Therefore, I demand immediate deletions of the inaccurate accounts from my credit report. Should Experian fail to comply with this demand, I will have no choice but to proceed with legal action through my attorney. Additionally, I request punitive damages along with the {$1000.00} compensation I am entitled to under the FCRA for Experian 's willful noncompliance. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure accountability and uphold consumer rights. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX XX/XX/year> AFFIDAVIT OF TRUTH I, XXXX XXXX XXXX, resident of XXXX XXXX does hereby declare and affirm under penalty of perjury under the laws of GEORGIA, XXXX that the following statements are true and correct to the best of my knowledge and belief : 1. I am the individual whose name appears on this affidavit, and I am competent to make this affidavit.

2. I am filing this affidavit to attest to the inaccuracies present in the credit report provided by Experian, a consumer credit reporting agency, pertaining to my credit history. 
3. On XX/XX/year>, I obtained a copy of my credit report from Experian, as provided for by the Fair Credit Reporting Act ( FCRA ), and upon review, I discovered the following inaccuracies : erroneous accounts, incorrect balances, and outdated information. 
4. The inaccuracies in my credit report have negatively impacted my creditworthiness and have hindered my ability to secure favorable terms for loans, mortgages, and other financial products.

5. I have diligently attempted to rectify these inaccuracies by contacting Experian and providing documentation supporting the correction of erroneous information. However, despite my efforts, Experian has failed to adequately address and correct the inaccuracies in a timely manner.

6. I hereby affirm that the information contained in this affidavit is true and correct to the best of my knowledge and belief, and I understand that any false statements made herein are subject to penalties under perjury laws.

7. The information with the reported accounts is either incorrect, mistaken, or unauthorized. 
XXXX XXXX  XXXX XXXX XXXX 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