Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Re : Violations of 15 US Code 1681 and 15 US Code 1681b ( FCRA ) Demands for Immediate Removal of Inaccurate Accounts from Credit Report Dear Experian, I am writing to inform you that I have recently obtained my credit report and discovered serious violations of the Fair Credit Reporting Act ( FCRA ). The law is clear on the procedures that consumer reporting agencies must follow, and I have identified multiple instances where you have failed to adhere to these regulations. Specifically, under the law, it is unequivocally stated that a consumer reporting agency may furnish a consumer report only under certain circumstances, one of which is \ '' in accordance with the written instructions of the consumer to whom it relates.\ '' I never provided any written instructions to furnish the following accounts on my credit report. Consequently, the presence of these accounts on my report constitutes a violation of the FCRA. Additionally, 15 US Code 1681 sets forth the importance of accuracy and fairness in credit reporting. Inaccurate credit reporting can severely impair the efficiency of the banking system and undermine public confidence, while also infringing upon consumers\ ' rights to privacy. As a consumer, I have the right to expect that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for my privacy. The following accounts on my credit report are demonstrably inaccurate, and their inclusion violates not only my privacy but also the FCRA. Please delete the following fraudulent and unverified information : Remove These Accounts XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Account Number : XXXX XXXX - Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX As a result of these violations, my reputation as a consumer has been unjustly damaged, which is unacceptable. I hereby demand the immediate removal of the inaccurately reported information from my credit report, as required by the FCRA. In the interest of judicial economy, I am willing to settle this matter with any admitted liability. Therefore, I offer a full and final settlement if you comply with the following demands : XXXX. Cease the reporting of the inaccurate information mentioned above from my credit report immediately. XXXX. Pay the sum of {$1000.00} as compensation for the damage to my reputation and privacy. 
Upon receipt of the {$1000.00} payment at my address mentioned above, this letter shall serve as a general release of all claims arising from the inaccuracies in my credit report. Please be advised that if you fail to comply with these demands within 14 days of receiving this letter, I am prepared to pursue litigation to seek remedies for the violations of the FCRA. I hope that it will not come to that and that you will take appropriate action to rectify this situation promptly. I expect a written confirmation from you within 14 days, acknowledging receipt of this letter and detailing the actions taken to comply with my demands. 
Blessings! XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XX/XX/year> CC CFPB Consumer Financial Protection Bureau 1700 G St. NW Washington , DC 20552 & via email XXXX.

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