Consumer complaint received 2024-08-26 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: MD

Complaint narrative:
This letter serves as a supplementary complaint to my ongoing dispute with Experian regarding the inaccurate reporting of my account with XXXX XXXX XXXX ( Account Number : XXXX ). Despite my previous attempts to resolve this issue through Experians dispute process, the inaccuracies remain uncorrected, and I believe this constitutes serious violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issue : Account in Question : XXXX XXXX XXXX Account Number : XXXX Issue : The account is being reported as charged off with {$4200.00} past due, which is inaccurate. Despite my dispute and the submission of evidence to Experian, the information was verified as accurate without proper investigation, and the inaccuracies persist on my credit report. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 1681e ( b ) - Maximum Possible Accuracy : Violation : Experian is required by law to follow reasonable procedures to ensure that the information they report is as accurate as possible. The continued reporting of this inaccurate account suggests that Experian has failed in this duty. Despite my dispute and the evidence provided, Experian has not corrected the inaccuracies, thus violating this provision of the FCRA.

2. FCRA 1681i ( a ) - Reinvestigation of Disputed Information : Violation : Under this section, Experian is obligated to conduct a reasonable reinvestigation of disputed information. In this case, Experians reinvestigation appears to have been inadequate, as the incorrect information was simply verified with XXXX XXXX XXXX without a thorough review of the documentation I provided. This failure to properly investigate and resolve the dispute violates 1681i ( a ).

3. FCRA 1681i ( a ) ( 5 ) ( A ) - Deletion of Inaccurate, Incomplete, or Unverifiable Information : Violation : The FCRA clearly mandates that any information found to be inaccurate, incomplete, or unverifiable must be deleted from the consumers credit report. Given that the information provided by XXXX XXXX XXXX can not be verified as accurate, and Experian has failed to correct it, the only appropriate action is to delete this information from my report. 
4. FCRA 1681s-2 ( b ) - Responsibilities of Furnishers of Information : Violation : XXXX XXXX XXXX XXXX XXXX the furnisher of the disputed information, is required to conduct a proper investigation upon being notified of the dispute. Their failure to provide accurate information or to correct the erroneous reporting constitutes a violation of this section. By relying on this inaccurate data, Experian has further perpetuated this violation. 

Harm Caused : The continued presence of this inaccurate and damaging information on my credit report has caused significant harm, including a reduction in my credit score, potential denials of credit, and undue financial stress. This harm is directly attributable to XXXX failure to comply with the FCRAs requirements for accuracy and proper dispute handling. 

Request for Resolution : Given these violations of the FCRA, I request the following actions from the CFPB : 1. Immediate Deletion of the Inaccurate Information : I demand that Experian be instructed to delete the inaccurate XXXX XXXX XXXX account from my credit report, as it can not be verified as accurate. 
2. Investigation into Experians Practices : I urge the CFPB to investigate XXXX procedures for handling disputes and ensuring accuracy, as their continued reporting of inaccurate information suggests systemic failures. 
3. Corrective Actions and Penalties : I request that the CFPB consider imposing penalties on Experian and XXXX XXXX XXXX for their violations of the FCRA and ensure that corrective measures are taken to prevent such issues in the future. 

Conclusion : I trust that the CFPB will act swiftly to address these serious violations of my rights under the FCRA. The law is clear in its protections for consumers against the reporting of inaccurate information, and I am confident that the CFPB will enforce these protections. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution.

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