Consumer complaint received 2024-09-26 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: NJ

Complaint narrative:
Subject : Formal Complaint Regarding Credit Report Violations Dear CFPB Representative, I am writing to formally submit a complaint regarding multiple inaccuracies on my credit reports, as well as violations related to the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC ). Below are the details of the violations and my request for resolution : XXXX. Removal of Incorrect Names My credit report contains several incorrect variations of my name, which I request to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX correct name to be reported is XXXX XXXX XXXX 

XXXX. Removal of Non-Mailable Addresses The following addresses are listed on my credit report but are not my current address and are non-mailable. I request their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

3. Removal of Employer Information My credit report includes outdated employer information. I request that the following employers be removed, as I no longer work for them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that I am currently unemployed, and there should be no employer listed on my credit report. 

XXXX. Account Violations Several accounts on my credit report contain violations of consumer protection laws, specifically the FCRA and UCC. Below is a list of the accounts in question : XXXX XXXX XXXX ( Account # XXXX ) Violations : The account is inaccurately reported as having a balance of {$20000.00} after repossession. According to UCC 9-611 and 9-614, I should have been provided notice of repossession and sale, but I did not receive such notification. Furthermore, the balance should reflect the post-sale deficiency, not the original amount. This inaccurate reporting is a violation of the FCRA and must be corrected or removed. 
XXXX XXXX XXXX. ( Account # XXXX ) Violations : This account is reported with a balance of {$990.00}, but the payment status is inaccurately listed as current, despite a prior dispute being filed. The FCRA requires credit reporting agencies to accurately update account information, especially after a dispute has been submitted. I request that this account be thoroughly investigated and corrected if errors are found. 
XXXX XXXX ( Account # XXXX ) Violations : This account shows a derogatory status with a charged-off amount. I request verification of the account 's accuracy, including the correct balance and payment history, as per FCRA guidelines. If verification can not be provided, the account should be removed. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ** Violations : This account is incorrectly reported across all three bureaus. The following inconsistencies and potential violations are noted : Inaccurate Reporting Dates : The date of last activity, date reported, and date of verification vary across the credit bureaus ( XXXX : XX/XX/year> ; Experian : XX/XX/year> ; XXXX : XX/XX/year> ). According to the FCRA, credit information should be consistent across the bureaus. This inconsistency can lead to inaccurate reporting of account status. 
Balance Reporting : The account lists a balance of {$11000.00}, which has been charged off. There should be no balance if the account has been fully written off. This is a violation of FCRA reporting requirements.

Discrepancies in Payment History : The payment history for this account also appears inconsistent across the bureaus, particularly with late payments leading up to the charge-off. The FCRA requires that credit reporting agencies ensure the accuracy and completeness of payment history information. 
Failure to XXXX XXXX XXXX : I did not receive proper notification of the charge-off status, as required under UCC guidelines XXXX 
XXXX. Requested XXXX To resolve this matter fairly and in accordance with federal laws, I request the following actions : Delete all incorrect name variations from my credit report. 
Remove the non-mailable addresses and update my address to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
Delete all employer information listed, as I am currently unemployed. 
Correct or remove the violations related to the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts as outlined above. 
Please ensure that my credit report is updated across all three bureaus ( XXXX, XXXX, and Experian ). I also request that I be provided with confirmation once the corrections have been made. 

Thank you for your attention to these matters. I look forward to your prompt response and resolution of these issues. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if any further information is required.

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