Consumer complaint received 2025-04-02 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: WY

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration with your blatant failure to comply with both the Fair Credit Reporting Act ( FCRA ) and relevant U.S. Code provisions regarding the accuracy and timeliness of information in my credit report. I demand immediate action and a detailed response to the following issues. 1. Violation of 15 U.S. Code 1605
( Determination of Finance Charge ) : I have discovered that your reporting practices, particularly regarding the application of finance charges, have been grossly mismanaged and inaccurately reflected in my credit history. It is clear that the finance charges you have applied

do not align with the terms I agreed to. Your failure to adhere to the statutory requirements under 1605 is unacceptable.

2. Violation of 15 U.S. Code 1666b ( Timing of Payments ) : Your failure to report payments in accordance with the correct timing has caused significant damage to my credit score. This is a direct violation of the provisions under 1666b. The inaccuracies in how payments are reflected on my report must be corrected immediately.

3. Violation of 15 U.S. Code 1681a ( Definitions ; Rules of Construction ) & 1681b ( Permissible Purpose of Consumer Reports ) : As per 1681a and 1681b, Experian is obligated to maintain the accuracy and integrity of consumer reports. I have not only discovered inaccurate information but have also become aware that my personal information was used improperly in a data breach. This breach was not authorized, and it appears my data was accessed without a permissible purpose under 1681b. This is an egregious violation of my rights, and I expect immediate investigation and rectification of any errors arising from this unauthorized use.

4. Violation of 15 U.S. Code 623 ( FCRA - Duty of Furnishers of Information ) : As stipulated under Section 623 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in my credit report. I am hereby asserting my right to dispute the inaccurate information that you have reported. In addition to my concerns about inaccuracies, I have proof that my information was compromised in a data breach. I demand that you investigate this breach, correct the inaccurate entries on my credit report, and provide me with documentation of your findings and any actions taken. 
You have a legal obligation to ensure that the information you report is accurate, timely, and in compliance with the FCRA. Your failure to fulfill these obligations is a clear violation of my consumer rights, and I am prepared to take further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies if this matter is not promptly addressed.

This is a formal notice of my intent to escalate this issue if I do not receive a satisfactory response within 15 business days. I expect you to provide a comprehensive, written response detailing how you plan to rectify the inaccuracies in my credit report and address the data breach issue.

If necessary, I will not hesitate to take legal action to protect my rights and ensure that my credit report is restored to its correct and accurate state.

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