Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX : XXXX for late payment XX/XX/XXXX has violated my rights. XXXX XXXX XXXX XXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX has violated my rights. XXXX  : XXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX has violated my rights. XXXX XXXX Bank : XXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX has violated my rights. Capital XXXX : XXXX for late payments XX/XX/XXXX and XX/XX/XXXX has violated my rights. XXXX XXXX XXXX  : XXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX has violated my rights. XXXX Bank : XXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX has violated my rights. XXXX XXXX : XXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX has violated my rights. Capital XXXX XXXX XXXX : XXXX for late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX has violated my rights. XXXX XXXX XXXXXXXX for inaccurate information and account must be deleted. XXXXXXXX XXXX XXXX XXXX XXXXXXXX with late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Under 15 U.S.C 1681 section 602 A. States I have the right to privacy. Unde

r 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also Under 15 U.S.C 1681c ( a ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. Under 15 U.S.C 16811s-2 ( A ) ( 1 ) A : 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 accurate 15 U.S. Code 1681i-6 ( B ) ( iii ) ) - Procedure in case of disputed accuracy, states that a notice, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information. Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ) According to 15 U.S. Code 1681 ( 2 ) ( Xi ), consumers have the right to dispute inaccurate information in their credit reports. The law mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes information. Additionally, 15 U.S. Code 1666b outlines the requirements for billing error resolution, which includes the obligation of creditors to provide accurate reporting of payment histories. Billing Error Resolution Under 12 CFR 1026.13, creditors are required to investigate billing errors promptly and accurately. If they fail to do so, they may be liable for damages as outlined in the regulations. 
Evidence of Improper Investigations Recent actions taken by the Consumer Financial Protection Bureau ( CFPB ) against Equifax and Experian highlight systemic issues with how these agencies handle disputes : 1. The CFPB ordered Equifax to pay {$15.00} million for improper investigations of credit reporting errors.

2. The CFPB also filed a lawsuit against Experian for conducting sham investigations into disputed credit report errors.

These cases demonstrate a pattern of negligence regarding accurate reporting and investigation processes by both agencies.

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