Consumer complaint received 2024-07-31 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: MS

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts First Premier Bank Open XX/XX/XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$680.00} XXXX XXXX Open XX/XX/XXXX Balance {$0.00} these accounts are not complete and accurate XXXX XXXXXXXX XXXX Never XXXX 30 days XX/XX/XXXX Never 60 days Late XX/XX/XXXX Never 30 Days Late XX/XX/XXXX or 60 days Late XX/XX/XXXX. I sent a letter asking them to make sure everything is complete and accurate back on XX/XX/XXXX I got no response back And according to and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please remove and delete these accounts immediatley. Also no addresses other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be listed on my credit report or any mailing information all other addresses need to be removed immediately and updated. Thanks XXXX XXXX XXXX XXXX no other name variations all XXXX account related inquiries should also be deleted from my report.

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