Consumer complaint received 2024-11-20 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, XXXX XXXX, authorized this dispute to address multiple violations of the Fair Credit Reporting Act ( FCRA ) that occurred regarding inaccurate reporting on my credit report. These violations include : Willful Noncompliance ( FCRA Section 616 ) The credit reporting agencies accepted credit information about me without properly verifying its accuracy. This failure to ensure the correctness of the information could lead to civil liability of up to {$XXXX} per violation. 

Failure to Disclose Personal Information Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) The credit reporting agency failed to inform me of my right to opt out of having my personal information shared, which is a violation of my consumer rights. 

Furnishing Inaccurate and Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) Incorrect accounts and inquiries were reported without proper validation, and potentially violated XXXX XXXX XXXX XXXX ( XXXX  ), which can mislead creditors and affect my creditworthiness. 

Debt Collection Violations Debt collectors violated the Debt Collection Practices Act by reporting inaccurate debts without my consent and by contacting third-party credit reporting agencies about debts that may not belong to me. 

Incorrect Reporting of Personal Information There were multiple instances of incorrect personal information being reported, including addresses that do not belong to me. This information must be deleted immediately. 

Failure to Accurately Report Timely Payments The credit agencies reported late payments on my credit report without clearly defining what constitutes a late payment, making these reports deceptive and inaccurate. 

Incorrect Finance Charges The XXXX XXXX XXXX failed to accurately determine finance charges, which is their responsibility. 

Failure to Obtain Written Consent ( FCRA Section 1681b ( a ) ( 2 ) ) The credit agencies reported information without obtaining my written consent, which is a violation of the permissible purposes outlined in the FCRA. 

As a result, I am requesting that the credit reporting agencies and debt XXXX involved take immediate action to : Delete the incorrect personal information ( addresses ) from my report. 
Update the incorrect late payment entry to reflect that it was " paid as agreed, never late. '' Provide validation of the debts reported by various debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) under 15 U.S. Code 1692g. If they can not validate these debts, I demand they be removed from my credit report. 
Remove all unauthorized and inaccurate accounts from my credit report as they are violating my rights under the FCRA. 
I expect a prompt response, and failure to comply with these requests will result in me seeking legal remedies under the Fair Credit Reporting Act

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