Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Dear CFPB I have composed this complaint based on XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX information that is tarnishing my creditworthiness, emphasizing the necessity for both parties to operate in good faith. I have operated in good faith and will continue to do so. I expect { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX } to demonstrate the same courtesy. XXXX going to take the time to educate { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  } on consumer laws since { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX } is causing me direct harm as well as violating federal laws. According to 15 USC 1681a ( f ), the term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and who uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Did you catch the part about engaging in whole or in part? I sure did. By the federal definition I have kindly provided, { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  } is a consumer reporting agency furnishing my consumer information to third parties, including TransUnion, Experian, and Equifax, which are also consumer reporting agencies. TransUnion, Experian, and Equifax are third parties due to the simple fact that they are separate entities from I the consumer and.XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX }. Furthermore, since { XXXX XXXX XXXX, XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } is federally categorized as a credit reporting agency under 15 USC 1681a ( f ), my written instructions as the consumer must be followed without further delay. The written instructions of the consumer trump all forms of permissible purpose. Let me reiterate, I am invoking my rights under 15 USC 1681b ( a ) ( 2 ). I am giving clear instructions to { DISPUTE_ITEM } to update its tradeline to paid as agreed never late on my consumer report. Furthermore, now that I have educated { XXXX XXXX XXXX, XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } on its proper legal role as a consumer reporting agency under XXXX USC 1681i ( a ) ( 1 ) ( a ), { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  } has to launch an investigation into my dispute and disclose the results of the investigation no later than 30 days from receipt of this complaint. Failure to launch an investigation and follow my written instruction will be willful non-compliance under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), and under this provision, I am entitled to {$1000.00} per violation. Needless to say, XXXX has racked up quite a few violations. I expect my written instructions to be followed immediately! I am fed up with { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX } actions that are directly affecting my reputation and creditworthiness. Let me remind { DISPUTE_ITEM } that we are communicating through a government agency website. Please keep in mind what I said earlier about operating in good faith. To reiterate my demands regarding the handling of my consumer report, it is imperative that both parties operate in good faith and adhere to the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ). As per my rights under 15 USC 1681b ( a ) ( 2 ), I am directing { DISPUTE_ITEM } to promptly update its tradeline to paid as agreed never late on my consumer report. This action is non-negotiable and must be completed within 30 days. Furthermore, under 15 USC 1681i ( a ) ( 1 ) ( a ), { DISPUTE_ITEM } is obligated to launch an investigation into my dispute and provide the results within 30 days of receipt. Failure to comply with this requirement will result in legal action and civil penalties. 

Fair resolution : To avoid such consequences, I propose the following fair resolution : 1. { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX } must update its tradeline to paid as agreed never late on my consumer report immediately and provide confirmation of this action within 30 days. 2. { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  } must launch an investigation into my dispute as mandated by law and provide the results within the stipulated 30-day period. 3. { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX } must cease all debt collection activities with prejudice. As part of a fair resolution, I recommend that employees of { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX } be trained on consumer laws, including but not limited to 15 U.S.C. 1681a ( f ), 15 USC 1681b ( a ) ( 2 ), 18 USC 1028 ( 7 ), and 15 USC 1681n. I trust that { XXXX XXXX XXXX, XXXX / XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX } will prioritize this matter and take the necessary steps to resolve it expediently and in accordance with legal requirements.

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