Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Complaint Against : TransUnion, Experian, Equifax, and listed Furnishers Subject : Comprehensive Complaint Regarding Unfair, Deceptive Business Practices & Inaccurate Reporting Under the Fair Credit Reporting Act ( FCRA ) I, XXXX XXXX, formally submit this detailed complaint concerning systemic inaccuracies and deceptive reporting practices by TransUnion, Experian, Equifax, and specific data furnishers. These practices constitute violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and the Federal Trade Commission Act ( FTC Act, 15 U.S.C. 45 ( a ) ). 

Background : Over the period XXXX, multiple credit accounts were inaccurately reported on my consumer credit files, severely impacting my creditworthiness. Despite multiple disputes with supporting evidence, including a Certified UCC Search from the XXXX of Georgia dated XX/XX/XXXX, indicating no legal debts or liens under my name, these accounts persist in my reports. 

Disputed Accounts and Details : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported opened XX/XX/XXXX. This account is inaccurately listed as charged-off and continues to negatively impact my credit report despite lack of proper verification and my multiple disputes. 
2. XXXX XXXXXXXX XXXX XXXX XXXX Reported opened XX/XX/XXXX, with a charged-off balance around {$600.00}. Despite repeated disputes and clear documentation of inaccuracies, this account remains on my report. 
3. XXXX XXXX Account Reported opened XX/XX/XXXX. This fintech account inaccurately reflects late and delinquent statuses, unfairly harming my credit profile without proper verification. 
4. XXXX XXXX XXXX XXXX Reported opened XX/XX/XXXX, and inaccurately listed as charged-off with a balance of {$210.00}. This account falsely implies a XXXX derogatory record, despite clear evidence disputing its accuracy. 
5. XXXX XXXX XXXX XXXX XXXX XXXX Reported opened XX/XX/XXXX, inaccurately classified as an auto loan rather than a retail installment transaction. This account inaccurately shows a charged-off balance of approximately {$13000.00}, which is legally incorrect and misleading. 
6. XXXX XXXX XXXX XXXX Account Reported opened XX/XX/XXXX, inaccurately reflects late payments. Although closed, the account continues to negatively affect my credit score without accurate verification or correction. 
7. XXXX XXXX XXXX Reported opened XX/XX/XXXX, inaccurately classified as an auto loan with a past-due balance of approximately {$8100.00}. This misrepresentation is legally incorrect ; it was a retail installment agreement, not an actual loan transaction. 

Specific Legal Violations : 1. Violation of 15 U.S.C. 1681s-2 ( a ) : Furnishers Obligations to Report Accurate Information : The furnishers of these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) continue to furnish inaccurate information, despite being notified of inaccuracies multiple times. Under the FCRA, these furnishers must cease reporting unverifiable or incorrect information upon notification.

2. Violation of 15 U.S.C. 1681e ( b ) : CRAs Obligation to Ensure Maximum Possible Accuracy : TransUnion, Experian, and Equifax have failed their statutory duties by allowing obviously inaccurate and unverifiable data to remain on my credit files. Despite multiple disputes, supported by certified documentation proving these accounts inaccuracies, the CRAs failed to remove or correct these inaccuracies, reflecting inadequate or negligently executed internal procedures.

3. Violation of 15 U.S.C. 1681i : Failure to Conduct Reasonable Reinvestigations : The CRAs failed to carry out proper reinvestigations upon receiving my disputes. Instead, they provided superficial, inadequate responses verifying accounts without proper substantiation or detailed explanation, violating my right to a proper investigation as stipulated by FCRA 1681i. Moreover, the CRAs did not provide me with sufficient documentation of their reinvestigation results or the method of verification used.

4. Violation of 15 U.S.C. 1681c-2 ( Section 605B ) : Failure to Block Fraudulent Information : The CRAs failed to implement mandatory blocks on the disputed fraudulent information within four business days, despite receiving all required documentation. This blatant disregard for FCRAs mandatory 4-day blocking provision demonstrates willful negligence by the CRAs, exacerbating my ongoing credit harm.

5. Violation of FTC Act 15 U.S.C. 45 ( a ) : Unfair and Deceptive Acts and Practices : Both the CRAs and the furnishers engaged in unfair and deceptive practices by reporting misleading and inaccurate information that falsely represented my financial responsibility and creditworthiness. Reporting retail installment agreements inaccurately as auto loans is particularly deceptive, creating false and misleading impressions of my financial obligations and liabilities.

Damages and Harms : These continued inaccuracies have severely damaged my credit rating, resulting in credit denials, inflated interest rates, economic hardships, and severe emotional distress. This situation has negatively impacted my financial stability, forcing me to spend significant time and resources addressing and correcting these inaccuracies without relief from responsible entities.

Requested Remedies : Immediate removal and permanent deletion of all disputed accounts from my credit files.

Implementation of mandatory blocks under FCRA 1681c-2 ( 605B ) on all disputed accounts.

Provision of corrected credit reports, clearly documenting the removal of these accounts.

Detailed documentation of reinvestigation procedures and results from each CRA.

Investigation by CFPB into the furnishers and CRAs compliance practices.

Enforcement of corrective measures and appropriate regulatory penalties against furnishers and CRAs for noncompliance with FCRA obligations.

Written confirmation from each entity involved, verifying that inaccuracies have been permanently removed and corrective actions fully implemented.

I reserve my rights to pursue further legal remedies, including statutory and punitive damages, should these violations persist without adequate resolution. Prompt corrective action is requested to restore accuracy to my credit files and cease ongoing harm to my financial and personal well-being. 

Respectfully submitted, XXXX XXXX Let them know harp on this that you are submitting a pre intent to sue make it sound good I want credit bureaus and creditors so scared

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