Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
After a recent review of my credit report, I discovered that Experian is reporting inaccurate information. The inaccuracies include : Monthly Payment Date Opened Balance No. of Months ( terms ) High Credit Credit Limit Past Due Payment Status Last Reported Comments Date Last Active Date of Last Payment Two-Year Payment History These inaccuracies are not only misleading but also falsely manipulate the statute of limitations. Despite my repeated requests for investigation, Experian has failed to address these discrepancies correctly, thus violating my rights. Both results returned as verified including the most recent results from XX/XX/year> ( Attached ). This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights.

I am demanding the deletion of the inaccurate account. 

Accounts Name : XXXX XXXX Account Number : XXXX DELETE this inaccurate account!!!

Specific Violations : I requested that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed. But you FAILED to do so. Violating The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : Experian is reporting fraudulent accounts that do not belong to me, infringing on my privacy rights. I should have sole authority over what information is considered private, and my hard inquiries and account information should not be shared without my consent.

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : Experians reporting falsely implies multiple inquiries and accounts were made by me, when in fact these are the results of fraudulent activities. This misleading reporting breaches the FCRA fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite previous disputes, Experian has failed to verify the accuracy of the credit information, showing willful noncompliance which could result in civil liability of up to {$1000.00} per violation.

FCRA Section 605B - Aggravated Identity Theft : Sharing my personal information with creditors without my consent constitutes aggravated identity theft, which carries severe penalties.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : Experian has not disclosed my right to opt out of sharing my personal information, which is deceptive and violates my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Experian continues to furnish inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). This practice is unacceptable.

In addition to the above, Experian has previously violated, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes.

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