Consumer complaint received 2025-01-01 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: PA

Complaint narrative:
**Complaint to the Consumer Financial Protection Bureau ( CFPB ) ** Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws by Once ( fictitious creditor ) and Experian ( credit reporting agency ). These violations have caused significant harm to my creditworthiness, emotional well-being, and financial standing. In XX/XX/year>, I opened an account with XXXX XXXX However, Once has reported inaccurate information to Experian, claiming that I was late on payments starting in XX/XX/year>. According to 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. The alleged late payment should not have been reported as such, as my payment cycle had not yet ended. This reporting is in direct violation of FCRA 's requirement for accuracy. Furthermore, Once has failed to provide the original documentation supporting the alleged debt, a violation of 15 U.S.C. 1692g. This lack of transparency and failure to adhere to federal regulations has made it nearly impossible for me to address these inaccuracies effectively. Experian, as a credit reporting agency, has a duty under 15 U.S.C. 1681i to maintain reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. However, they have repeatedly failed to verify the inaccurate information provided by Once, resulting in a charge-off on my credit report. These violations have caused substantial injury and damage to my creditworthiness and financial standing, including : 1. Difficulty obtaining credit 2. Loss of employment opportunities 3. Denial of housing 4. Increased interest rates and insurance premiums I request that the CFPB investigate these violations and hold Once and Experian accountable for their actions. The potential statutory damages for these violations could amount to {$10000.00} ( 10 violations x {$1000.00} per violation ). I appreciate your attention to this matter and look forward to a resolution that restores my credit report 's accuracy and upholds my rights as a consumer. Sincerely, [ Your Name ] **Dispute Letter to Experian** Dear Experian, I am writing to dispute the inaccurate information reported on my credit report by Once, specifically regarding late payments starting in XX/XX/year>. According to my records and the FCRA 's accuracy requirement ( XXXX XXXX. XXXX ), these payments were not late at the time of reporting. Experian has a duty to maintain reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. However, your agency has failed to verify the inaccurate information provided by Once, resulting in a charge-off on my credit report and causing substantial harm to my creditworthiness. In addition, Once has not provided the original documentation supporting the alleged debt, violating 15 U.S.C. 1692g. This lack of transparency makes it impossible for me to address these inaccuracies effectively. The ongoing presence of these inaccuracies has resulted in significant damages, including : 1. Difficulty obtaining credit 2. Loss of employment opportunities 3. Denial of housing 4. Increased interest rates and insurance premiums I request that Experian investigate this matter and remove the inaccurate information from my credit report as soon as possible. Furthermore, I seek appropriate compensation for the harm caused by your agency 's negligence in verifying the information provided by Once. Thank you for your prompt attention to this matter. I look forward to a resolution that restores my credit report 's accuracy and upholds my rights as a consumer. Sincerely, [ Your Name ]

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