Consumer complaint received 2024-08-04 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX XXXX XXXX on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies in the reported data are substantial and have led to a misrepresentation of my credit profile. Additionally, there are concerns regarding a potential breach of privacy as my account was sent to collections without proper notification. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX. Account Status : Experian : Paid XXXX : Derogatory XXXX : Paid XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Credit XXXX XXXX Experian : {$1000.00} XXXX XXXX {$0.00} XXXX : {$1000.00} XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : Experian and XXXX : 30 Days Late XXXX XXXX, 60 Days Late XXXX XXXX, 90 Days Late 2 Times XXXX : No late payments Violations and Impact The discrepancies between the credit bureaus regarding the account status, credit limit, date last active, and payment history are clear indicators of inaccurate reporting. The inconsistency in reporting late payments, with Experian and XXXX showing multiple late payments while XXXX shows none, further highlights the severity of the inaccuracies. Additionally, the fact that the account was sent to collections without proper notification raises concerns about potential privacy violations. 

XXXX Laws and Regulations XXXX. XXXX XXXX XXXX ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified. 
XXXX. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - Responsibilities of XXXX of XXXX : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
XXXX. XXXX XXXX XXXX ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The potential unauthorized handling or sharing of my account information, especially if it was sent to collections without proper notification, could constitute a privacy violation. This involves disclosing sensitive information to third parties without proper consent or authorization.

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