Consumer complaint received 2024-11-20 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint to address multiple violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), codified in 15 U.S.C. 1681. The inaccuracies, unverifiable information, and written-off statuses reported on my credit reports by XXXX, Experian, and XXXX have caused undue harm to my creditworthiness and violate my rights to privacy, confidentiality, and accurate reporting. 

I am requesting the immediate and permanent removal of the following closed accounts, as the information provided is inaccurate, unverifiable, and improperly reported in violation of federal law. 

XXXX. XXXX XXXX  XXXX Account Number : XXXX ( Last XXXX : XXXX ) Violations : This account is reported as " Charged Off '' and " Written Off '' with a balance of {$9200.00}, which exceeds the credit limit of {$8000.00}, violating 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ). 
The date of first delinquency is XX/XX/XXXX, yet the reported information lacks verification and consistency across the bureaus, violating 15 U.S.C. 1681i ( a ) ( failure to remove unverifiable information ).

I was not notified about this adverse reporting within 30 days, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( creditor notification of negative reporting ).

Requested Action : Immediate removal of this account due to privacy violations, unverifiability, and inaccuracies. 
XXXX. XXXX XXXX Account Number : XXXX ( Last XXXX : XXXX ) Violations : The account is reported as " Charged Off '' and " Written Off '' with a balance of {$15000.00}, which exceeds the credit limit of {$14000.00}, violating 15 U.S.C. 1681e ( b ). 
Discrepancies exist in the highest reported balance : XXXX : {$17000.00} XXXX : {$15000.00} The past due amount of {$6100.00} is unexplained and unverifiable, violating 15 U.S.C. 1681i ( a ).

No notification of the negative reporting was provided, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ).

Requested Action : Remove this account entirely due to privacy violations, unverifiability, and inconsistent reporting. 
XXXX. XXXX XXXX XXXX  XXXX XXXX ( Closed Account ) Account Number : XXXX ( Last XXXX : XXXX ) Violations : This account is reported as " Charged Off '' and " Written Off '' with a balance of {$13000.00} and a credit limit of {$12000.00}, creating inaccurate debt-to-credit ratios, violating 15 U.S.C. 1681e ( b ). 
Discrepancies exist in the reported credit limit : XXXX : {$12000.00} XXXX : Inconsistent limits during reporting periods. 
I was not notified about this adverse reporting within 30 days, violating 15 U.S.C. 1681s-2 ( a ) ( 7 ).

The charge-off and balance details are unverifiable, violating 15 U.S.C. 1681i ( a ).

Requested Action : Remove this account entirely due to privacy violations, unverifiability, and inconsistent reporting. 
Violations of Federal Consumer Rights The above-listed accounts violate the following federally protected rights under 15 U.S.C. 1681 : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) : Disputed information must be removed if it can not be verified.

15 U.S.C. 1681s-2 ( a ) ( 7 ) : Creditors must notify consumers within 30 days of negative information being reported.

15 U.S.C. 1681b ( f ) : Consumer reports must not be accessed or shared without proper authorization, protecting consumer privacy and confidentiality.

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