Consumer complaint received 2024-03-15 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: LA

Complaint narrative:
RE : ( XXXXXXXX XXXX XXXX XXXX ) ACCOUNT # XXXX ( OPEN DATE : XX/XX/XXXX ) AMOUNT {$8400.00} To Whom It May Concern ; I disputed the referenced accounts above on XX/XX/XXXX. My credit report shows these item were deleted from my credit file on XXXX deleted the above reference acct on XX/XX/XXXX, XXXX deleted on XX/XX/XXXX, and Experian deleted acct on XX/XX/XXXX. Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, procedures in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumers file pursuant to subparagraph. is reinserted in the file, the consumer reporting agency shall notify the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information, As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report THIS ACCOUNT IS ALSO REPORTING C/O MONTHLY WHICH IS FURTHER RE-AGING MY ACCOUNT TO A FRESH CHARGE OFF CAUSING MAJOR DAMAGE TO MY CREDIT SCORE THIS IS DEFAMATION OF CHARACTER RE-DELETE THIS ACCOUNT IMMEDIATELY!! HOW COULD THIS ACCOUNT HAVE BEEN VERIFIED WHEN THERE ARE STILL MANY DISCREPANCIES THIS ACCOUNT IS INACCURATE!! I do not believe an investigation was done because it's no way the account would come back verified as accurate due to the large discrepancies and information mismatched highlighted in the attached documents. This is the final request for account deletion my privacy has been violated this is direct violation of my consumer rights as outline by the FCRA. Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation. You EXPERIAN have damaged my reputation ; I will be requesting {$1000.00} in damages due to failure of investigation please re-investigate and REMOVE this Erroneous, inaccurate account from being furnished on my Consumer report!!

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Duty : a moral or legal obligation ; a responsibility. 
Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something.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. 
You ARE PROHIBITED BY LAW to furnish inaccurate information you are hereby put on NOTICE that you are furnishing incorrect INACCURATE information even after I the consumer has bought it to your attention. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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