Consumer complaint received 2024-09-01 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: TX

Complaint narrative:
**Subject : Formal Complaint : Improper Use of Credit Reporting and Request for Immediate Removal of Unauthorized or Inaccurate Items** Dear Consumer Financial Protection Bureau XXXX CFPB ), I am writing to formally address significant issues with my credit report as managed by the credit bureaus. My credit report contains several entries that I believe are inaccurate, unauthorized, and in violation of the Fair Credit Reporting Act ( FCRA ). Below are the specific issues and my request for resolution : # # # **Unauthorized and Inaccurate Entries** XXXX. **XXXX XXXX XXXX** - **Original Creditor : ** XXXX XXXX XXXX XXXX XXXX XXXX : ** XXXX - **Balance : ** {$330.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** The account is listed as previously disputed with an investigation reported by the data furnisher. 

XXXX. **XXXX XXXX  XXXX ( Account XXXX ) ** - **Original Creditor : ** XXXX XXXX XXXX  - **Account Number : ** XXXX - **Balance : ** {$250.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer, but still listed as a collection. 

XXXX. **XXXX XXXX XXXXXXXX ( Account XXXX ) ** - **Original Creditor : ** XXXX XXXX XXXX  - **Account Number : ** XXXX - XXXX : ** {$280.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer and should be marked accordingly. 

XXXX. XXXX XXXX XXXX XXXX XXXX Creditor : ** XXXX XXXX - XXXX XXXX : ** XXXX - **Balance : ** {$890.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer, but remains listed as a collection. 

XXXX. XXXX XXXX XXXX XXXX XXXXOriginal Creditor : ** XXXX XXXX XXXX XXXX - XXXX Number : ** XXXX - **Balance : ** {$360.00} - **Date Opened : ** XX/XX/XXXX - **Status : ** Collection Account - **Comment : ** Account information disputed by consumer and should be properly reflected. 

# # # **FCRA Violations** The unauthorized and inaccurate entries listed above are in violation of the FCRA, specifically : - **15 U.S.C. 1681b** : Permits access to credit reports only for permissible purposes. The appearance of unauthorized entries indicates a breach of this section. 
- **15 U.S.C. 1681c** : Requires that all information on a credit report be accurate and up-to-date. These unauthorized entries do not comply with this requirement.

- **15 U.S.C. 1681i** : Mandates that consumers have the right to dispute and correct inaccuracies on their credit reports. The entries in question were previously disputed but remain inaccurately reported. 

# # # **Requested Resolution** I request the following actions be taken immediately : 1. **Immediate Removal : ** Remove all unauthorized and inaccurate entries from my credit report, including the accounts listed above.

2. **Confirmation : ** Provide written confirmation that the unauthorized items have been removed and that my credit report has been updated to reflect accurate information.

3. **Investigation : ** Conduct a thorough investigation into how these inaccuracies appeared on my report and ensure corrective measures are implemented to prevent future occurrences. 

I have attached copies of my credit reports highlighting the disputed items, along with any relevant correspondence. I trust that you will address this matter with urgency and ensure my consumer rights are upheld. 

Thank you for your prompt attention to this issue. 

Sincerely, 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