Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I've dispute certain information present on my credit reports provided by XXXX, Experian, in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 ( b ) ( c ), as well as to bring to your attention potential violations of 18 U.S.C. 242, 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681n, 15 U.S.C. 1681 ( e ), 16 CFR 660.4, 15 U.S. Code 1681g, 15 U.S. Code 1681h, and 15 U.S. Code 1681d. I request a comprehensive investigation into the inaccuracies and prompt corrective action, along with an investigation into the potential legal violations.

Upon reviewing my credit reports obtained from XXXX, Experian, and XXXX, I have discovered several discrepancies that are of significant concern. The inaccuracies are outlined as follows : Experian XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Important dates Original filing date XX/XX/XXXX Latest status date XX/XX/XXXX Additional details Reference number XXXX Record type Bankruptcy XXXX filed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XX/XX/XXXXXXXX XXXX XXXX Bankruptcy XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX, XXXX XXXX XXXXXXXX Bankruptcy XX/XX/XXXX, These inaccuracies not only misrepresent my creditworthiness but also have the potential to harm my financial standing and opportunities. Therefore, I urge XXXX, Experian, and XXXX to conduct thorough investigations into these matters as required by the FCRA. 

Furthermore, I believe that XXXX, Experian, and XXXX XXXX have violated various laws and regulations, including but not limited to : 18 U.S.C. 242, which prohibits deprivation of rights under color of law.

15 U.S.C. 1681i ( 7 ), which mandates procedures for reinvestigation of disputed information.

15 U.S.C. 1681n, which allows for recovery of damages for willful noncompliance. 
15 U.S.C. 1681 ( e ), which outlines the responsibilities of consumer reporting agencies.

16 CFR 660.4, which sets forth requirements for the handling of identity theft disputes.

15 U.S. Code 1681g, which outlines the rights of consumers to obtain a copy of their credit report.

15 U.S. Code 1681h, which outlines the procedures for furnishing consumer reports.

15 U.S. Code 1681d, which outlines the duties of furnishers of information to consumer reporting agencies.

Under these laws and regulations, I request a thorough investigation into the potential violations and appropriate remedial action.

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX, Experian, and XXXX are obligated to conduct reasonable reinvestigations of disputed items upon receipt of this dispute. I've sent numerous copies of relevant documents supporting my claims and aiding in the investigation. 

Furthermore, I request that XXXX, Experian, and XXXX provide me with written notification of the results of the investigation and any actions taken in response to my dispute. Additionally, as per 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), I request updated copies of my credit reports from each bureau reflecting the corrections made after the completion of the investigation.

Failure to adhere to the FCRA 's requirements and other relevant laws and regulations may result in further legal action and regulatory penalties. 

I expect prompt and thorough investigations, along with the necessary corrective actions.

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