Consumer complaint received 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate : 15 U.S.C. 1681e is part of the Fair Credit Reporting Act ( FCRA ) and outlines the requirements for the accuracy and integrity of information in consumer reports. It specifically mandates that consumer reporting agencies have procedures in place to ensure that information they report is accurate and that they take steps to investigate any disputed information. Essentially, it emphasizes the importance of maintaining accurate credit reporting and provides consumers with the right to challenge inaccuracies.

15 U.S.C. 1681i ( a ) ( 5 ) addresses the treatment of inaccurate information in consumer reports. It requires that when a consumer disputes information, the credit reporting agency must conduct a reasonable investigation. If the information is found to be inaccurate or can not be verified, the agency must delete or correct the information. 

Please remove the following names from my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts from my credit report : XXXX XXXX XXXX, {$1400.00}, I have requested this removal several times over the course of the last few years ; however, the credit bureau states that the account has been verified with no proof. 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

XXXX XXXX XXXX, {$2000.00}, I have requested this removal several times over the course of the last few years ; however, the credit bureau states that the account has been verified with no proof. 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Credit Card XXXX XXXX XXXX, {$130.00}, This adverse information should be removed under the COVID-19 Consumer Protection Act, which allows for removal of certain negative items. Please investigate and update my credit report. 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

XXXX  XXXX XXXX, XXXX XXXX This adverse information should be removed under the COVID-19 Consumer Protection Act, which allows for removal of certain negative items. Please investigate and update my credit report. 

XXXX XXXX, {$770.00}, I have requested this removal several times over the course of the last few years ; however, the credit bureau states that the account has been verified with no proof. 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

XXXX, {$0.00}, The bureau is reporting the same card as two different accounts and the information that it is reporting is inaccurate. It is reporting the same account open and close and it's reporting a late payment in 2022. Under 15 U.S.C. 1681e ( b ), I request an investigation into this reporting. Also, these marks were made during the pandemic. This adverse information should be removed under the COVID-19 Consumer Protection Act, which allows for removal of certain negative items. 

XXXX XXXX, {$8500.00}, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

XXXX XXXX, {$0.00}, 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they 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