Consumer complaint received 2024-10-20 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: TN

Complaint narrative:
Authorized Representative UCC 1-308 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Experian XXXX XXXX XXXX XXXX, TX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inaccurate INFORMATION. 

This is my ( 4TH ) time DISPUTING to DELETE This Erroneous, inaccurate account from my Consumer report. The Consumer reports must be accurate this is the law! 

Under the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with rights. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX # XXXX : Charged-off account reporting a balance XXXX Charged-off on payment history extending the reporting period. Errors were not corrected on XX/XX/XXXX. 
XXXX # XXXX : Reporting a credit limit on a charged-off account XXXX charged-off on payment history /Errors not corrected on XX/XX/XXXX. 
XXXX # XXXX : Auto loan showing a {$11000.00} balance on a charged-off account ; should report XXXX Charged off on payment history extending the reporting period.Errors were uncorrected on XX/XX/XXXX. 
XXXX # XXXX : Credit card reporting a {$5000.00} limit on a charged-off account. Errors remain after the XXXX dispute. Uncorrected as of XX/XX/XXXX. 
XXXX # XXXX : Reporting a {$3000.00} limit on a charged-off account, violating FCRA rights. 3Charged off on payment history extending the reporting period. Errors were not resolved on XX/XX/XXXX. 
XXXX # XXXX : Reporting a {$2000.00} limit incorrectly. Errors unaddressed from XX/XX/XXXX to XX/XX/XXXX. 2Charged-off on payment history extending the reporting period.Not corrected as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX # XXXX : Shows a {$19000.00} limit on a charged-off account.9 Charged off on payment history extending the reporting period. Errors were not rectified on XX/XX/XXXX. 
XXXXXXXX XXXX # XXXX : Balance never updated ; reinvestigation not conducted. 
XXXX # XXXX : Reporting a {$1500.00} limit incorrectly ; errors from XXXX to XX/XX/XXXX uncorrected as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX charge-offs were reported, extending the reporting period. Errors uncorrected as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX charge-offs present, with errors remaining unaddressed since XX/XX/XXXX. 
XXXX # XXXX : The account was marked as verified ; no reinvestigation was done. 

15 U.S. Code 1681 - Congressional Findings and Statement of Purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual whom the report relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you EXPERIAN are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. 

The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

This is a final opportunity to DELETE these erroneous, inaccurate accounts from my Consumer report.

YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k.

DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS This agency is in violation of 15 USC 15 USC 1681i XXXX in your repose to my dispute you claimed that the account 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 You have validated inaccurate information and this account is hereby disputed. The information on this account being furnished on my consumer report in fact inaccurate. 

15 USC 1681i ( 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. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15USC 1681 violations for will noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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