Consumer complaint received 2024-10-27 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: NC

Complaint narrative:
Request for Removal of Inaccurate Information from Credit Report Violation of FCRA Dear Sir/Madam, I am writing to bring to your attention the reporting of inaccurate information on my credit report by several companies. I have previously disputed this with all three major credit bureaus ( XXXX, Experian, and XXXX ), but the issues remain unresolved. The information across the bureaus is inconsistent and incorrect regarding the reporting date, last payment date, and account closure date, among others. 

**Under 15 U.S.C. 1681 ( Section 602 ( a ) ), ** I am entitled to accurate and fair credit reporting, and I also have a right to privacy. Additionally, **15 U.S.C. 1681b ( a ) ( 2 ) ** specifies that a consumer reporting agency can not furnish information about me without my written instructions. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I conducted my own research and found discrepancies across the credit bureaus. Below is a detailed breakdown of the inaccurate information related to three accounts : XXXX, XXXX, and XXXX. I have attached the supporting documentation for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( across all bureaus ) These inconsistencies violate the **FCRAs requirement for accuracy**, and I have a right to ensure that my credit report reflects truthful information. The information provided by XXXX, XXXX, and XXXX is clearly inaccurate, as shown by the discrepancies in the reporting dates, closure dates, last payment dates, and balances owed. 

I previously asked all credit bureaus to verify this information, and they claimed it was correct. However, my own investigation proves otherwise, and I request your intervention to ensure that all inaccurate information is removed in accordance with the law. 

Applicable Laws : 1. **15 U.S.C. 1681s-2** Furnishers of information must provide accurate data. This law is violated when incorrect or inconsistent information remains on a credit report. 
2. **15 U.S.C. 1681i** Consumers have the right to dispute and have inaccurate information corrected. The bureaus have failed to meet this standard despite my previous disputes. 
3. **15 U.S.C. 1681b ( a ) ( 2 ) ** No consumer reporting agency should furnish inaccurate or unauthorized information. 

Requested Action : I respectfully request that all inaccurate information regarding the XXXX, XXXX, and XXXX accounts be removed from my credit report in accordance with the FCRA. I have attached supporting documents for your review, and I ask that you thoroughly investigate this matter to ensure that my rights under the law are upheld. 

Thank you for your time and attention to this matter. I look forward to your prompt response and the removal of these errors from my credit report. 

Sincerely, XXXX XXXX

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