Consumer complaint received 2024-11-26 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: IN

Complaint narrative:
Subject : Immediate Deletion of Inaccurate Accounts under 15 U.S.C. 1681e ( b ) To : CFPB and Credit Reporting Agencies ( XXXX, Experian, XXXX ) Dear CFPB, I am writing to formally demand the immediate deletion of three negative charge-off accounts from my credit report due to significant inaccuracies and discrepancies. The accounts in question are : 1. XXXX XXXX XXXX /on the Credit report Experian state open Date XXXX and theLast Activity XXXX XXXX. Experian I demand that you deleted this account from my report for not following the law after I have disputes this account multiplied times and ask you to reinvestigate you did not do proper investigation and didn't put on the remarks that this account was dispute or reinvestment 15.U.S.C. 1681i [ c ] statement of disputes : if a consumer disputes the accuracy of information in their Credit report and the dispute is not resolved to their satisfaction, the consumer has the right mohave a statement of the dis included in their Credit reporting agency [ CRA ] is required to include this statement in future reports that contain the disputed information Experian you violate the law so I demanded immediately to delete this Account on XXXX open Date XXXX XXXX and the Last Activity XXXX XXXX on XXXX XXXX XXXX XXXX and the Last Activity XXXX XXXX all these are inaccurate the data furnisher suppose to report accurate to all the bureau the same information 15.U.S.C.1681s-2 Reporting inaccurate or Misleading information continually reporting the same charge off monthly, especially if it is inaccurate or misleading, violates your duty to ensure accuracy and completeness under15 U.S.C.1681s-2 [ a ] I want this account deleted for not properly reinvestigation 2. XXXX Experian XXXX XXXX XXXX XXXX and the Last Activity XXXX XXXX on XXXX open Date XXXX XXXX Last Activity XXXX XXXX on XXXX open date XXXX XXXX last Activity XXXX XXXX all these are inaccurate inaccurate the data furnisher suppose to report accurate to all the bureau the same information 15.U.S.C.1681s-2 Reporting inaccurate or Misleading information continually reporting the same charge off monthly, especially if it is inaccurate or misleading, violates your duty to ensure accuracy and completeness under15 U.S.C.1681s-2 [ a ] I want this account deleted for not properly reinvestigation 3. XXXX Experian open date XX/XX/XXXX and the last Activity XXXX on XXXX date XXXX XXXX and last Activity XXXX XXXX onTransUnion open date XXXX XXXX and the last Activity XXXX XXXX inaccurate the data furnisher suppose to report accurate to all the bureau the same information 15.U.S.C.1681s-2 Reporting inaccurate or Misleading information continually reporting the same charge off monthly, especially if it is inaccurate or misleading, violates your duty to ensure accuracy and completeness under15 U.S.C.1681s-2 [ a ] I want this account deleted for not properly reinvestigation also I dispute all the wrong names that is attached my Credit report I will attach my information on the attachment Despite my repeated disputes, these accounts continue to be inaccurately reported. This failure to address the inaccuracies violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of all information reported. 

Summary of Violations 1. Violation of 15 U.S.C. 1681e ( b ) : The credit bureaus have failed to ensure maximum possible accuracy.

Discrepancies in dates, charge-off reporting, and other inaccurate details remain unresolved, causing substantial harm to my creditworthiness.

2. Violation of 15 U.S.C. 1681s-2 ( b ) : The furnishers of information ( XXXX XXXX XXXX XXXX XXXX, and XXXX ) have not properly investigated or corrected errors despite multiple disputes.

They have misleadingly reported charge-offs as recurring monthly events, creating a false appearance and damaging my credit profile.

3. Repeated Failures to Investigate : I have contacted the credit bureaus at least six times regarding these inaccuracies. Despite providing detailed evidence, the issues remain unresolved, demonstrating noncompliance with the FCRA. 

Impact of Inaccuracies The continued reporting of incorrect information has caused significant harm, including but not limited to : Defamation of Character : The false and misleading information harms my reputation.

Damage to Creditworthiness : These inaccuracies have severely impacted my ability to access credit.

Damage to Reputation and Mode of Living : The inaccuracies have disrupted my financial stability and caused emotional distress. 

Infringement of Privacy Rights : The repeated reporting of inaccurate information violates my privacy rights under the FCRA. 

Warning of Legal Action : If these accounts are not deleted immediately, I will pursue legal action for the following violations : Permissible Purpose Violations under the FCRA. 

Defamation of Character.

Damage to Reputation and Creditworthiness.

Infringement of Privacy Rights.

Requested Resolution I demand the following : 1. Immediate Deletion of all three negative charge-off accounts ( XXXX XXXX XXXX XXXX XXXX, and XXXX  ) from my credit report. 


2. Written assurance from the credit bureaus and furnishers that they will comply with their legal obligations under the FCRA.

3. A full investigation by the CFPB into these ongoing inaccuracies to enforce compliance with the FCRA.

Supporting Documentation I have attached copies of my credit report, highlighting the inaccurate information and prior evidence submitted during my disputes. 

Conclusion The continued failure to correct these errors violates the FCRA and has caused significant harm to my creditworthiness, reputation, and financial stability. I urge the CFPB to investigate this matter immediately and ensure the deletion of these inaccurate accounts. If these accounts are not deleted promptly, I will have no choice but to pursue legal action. 

Sincerely,

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