Consumer complaint received 2024-05-22 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: MD

Complaint narrative:
I am writing to express my continued dissatisfaction with the handling of my recent dispute regarding the XXXX XXXX XXXX account listed on my credit report. Your assertion that the account has been " Verified and Updated '' lacks substantial evidence and fails to meet the standards mandated by federal law. 

It is evident that your response fails to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable investigation upon receiving a dispute. A mere verification process does not constitute a thorough investigation, especially considering the discrepancies and inaccuracies present in the account information.

Furthermore, your claim of verification must adhere to the guidelines outlined in 15 USC 1681a ( 2 ). This section defines verification as " the process of reviewing information to determine its accuracy or completeness. '' It is imperative to note that verification does not equate to validation. Therefore, merely confirming the existence of the XXXX XXXX XXXX account without verifying its accuracy or ownership does not suffice. 

Moreover, the inclusion of the XXXX XXXX XXXX account on my credit report raises concerns regarding the permissible purpose as outlined in 15 USC 1681b. This law stipulates that consumer reporting agencies may only furnish consumer reports under certain permissible purposes, including those related to credit transactions, employment purposes, and insurance underwriting. It is essential to note that XXXX XXXX XXXX did not have, nor did they obtain, written consent from me to furnish this account to my credit. Therefore, its inclusion violates the permissible purpose provision of the FCRA. 

Additionally, the inaccuracies within the XXXX XXXX XXXX account information directly violate the provisions of 15 USC 1681e ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information provided in consumer reports. The inclusion of erroneous data not only tarnishes my creditworthiness but also undermines the integrity of your reporting system. 

In light of the aforementioned violations of federal law, I demand that you provide substantial evidence demonstrating a thorough investigation into the accuracy and ownership of the XXXX XXXX XXXX account. This evidence should include : XXXX. Documentation outlining the steps taken during the investigation process. 

XXXX. Any correspondence or communication with XXXX XXXX XXXX regarding the validation of the account. 

XXXX. Any evidence obtained that supports the accuracy and ownership of the account. 

Furthermore, I insist on the immediate removal of the XXXX XXXX XXXX account from my credit report until such time as its accuracy and ownership have been adequately verified. Failure to comply will necessitate further action to enforce my rights under the FCRA.

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 non-monetary relief