Consumer complaint received 2024-09-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The accounts I have listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX Account number : XXXX Amount : {$690.00} Account name : XXXX Account number : XXXX Amount : {$8800.00} Account name : XXXX XXXX XXXX Account number : XXXX Amount : {$610.00} 15 U.S.C 1681 Section 602 A ; states that I have the right to privacy.

15 U.S.C 1681 Section 604 A ( 2 ) ; it also states a consumer reporting agency can not furnish an account without the written instructions of the consumer to whom it relates.

15 U.S.C 1681c Section 605 ( A ) ( 5 ) ; states no consumer reporting agency may make any consumer report containing any of the following items of information ( Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years ) 15 U.S.C 1681S-2 ( A ) ( 1 ) ; states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report that have not been rectified despite my diligent efforts to address them.

Over the past two and a half years, I have made multiple attempts to contact both my creditors and the credit bureaus to dispute and request the removal of erroneous items from my credit report. Regrettably, these efforts have been met with limited success, as the discrepancies persist on my credit report, negatively impacting my financial standing and creditworthiness. 

As a conscientious consumer, I have taken all necessary steps to adhere to the protocols outlined by the Fair Credit Reporting Act ( FCRA ) in addressing these inaccuracies. Despite providing supporting documentation and following the proper procedures for dispute resolution, the unresolved items continue to tarnish my credit profile, impeding my ability to access essential financial services and opportunities. 

I am deeply concerned about the lasting repercussions of these inaccuracies on my financial well-being and overall creditworthiness. I am reaching out to seek your intervention and assistance in facilitating a prompt and thorough investigation into this matter to ensure that my credit report accurately reflects my credit history. 

I kindly request that the Consumer Financial Protection Bureau investigate this issue and work towards a resolution that upholds the integrity of the credit reporting system and safeguards the rights of consumers like myself. Your prompt attention to this matter is greatly appreciated, and I am hopeful that through your intervention, we can achieve a fair and equitable resolution to this ongoing dispute.

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