Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14408573

Complaint Overview

Complaint ID: 14408573

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Connecticut

ZIP Code: XXXXX

Date Received: 2025-07-01T12:00:00-05:00

Date Sent to Company: 2025-07-01T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

-- -- -UPDATE TO COMPLAINT XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN YOU HAVE BEEN PLACED ON NOTICE AN ABUNDANCE OF TIMES GOING BACK TO XXXX TO CORRECT AND CURE YOUR DISHONOR IN THE FORM OF FURNISHING INACCURATE INFORMATION THAT IS REQUIRED TO BE EXCLUDED FROM A CONSUMER REPORT. YOU HAVE FAILED TO EXERCISE YOUR GAVE DUTIES UNDER THE FCRA IN MAINTAINING PROPER REASONABLE PROCEDURES IN PLACE TO ENSURE MAXIMUM ACCURACY AND PRESERVE THE PUBLICS CONFIDENCE IN THE BANKING SYSTEM. THS FAILURE OF YOURS HAS CAUSED ME SEVERE UNREVERSABLE DAMAGES INLCUDING BUT NOT LIMITED TO STRESS, XXXX, XXXX, HUMILIATION AND DICRIMINATION DUE TO LOSING MY ABILITY TO EXERCISE MY GRANTED RIGHT TO EXTEND CREDIT. YOU WERE RECENTLY PLACED ON NOTICE VIA THE COMPLAINT NUMBER ABOVE AND RATHER THAN ADRESS HE MATTER ACCORDINGLY, YOU INSTEAD SEND ME DOCUMENTS STATING YOU AR UNSURE IF I AM THE CONSUMER AND NEED TO PROVIDED ID VERIFICATION. THIS IS NOTHING MORE THAN A STALL TACTIC. I AM PLACING YOU ON NOTICE ONCE AGAIN AND DEMAND YOU TO PERFORM YOUR NON-NEGOTIABLE DUTIES UNDER THE FCRA. YOU ARE REPORTING INACURATE INFORMATION ON MY CONSUMER CREDIT REPORT UNDER THE ACCOUNT NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. YOU HAVE ACCORDING TO MY REPORT A OF XX/XX/XXXXXXXX HAVE DELETED XXXX XXXX, XXXX AND XXXX BUT HAVE NOT DELETED XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX FOR THE INACCURACIES ATTACHED TO THE ACCOUNT INFORMATION. YOU DO NOT PICK AND CHOOSE WHAT YOU WANT TO DELETE. INACCURACIES FOUND ON A CONSUMER REPORT PER THE FCRA MUST BE CORRECTED OR DELETED. INACCURACIES ON THESE ACCOUNTS INCLUDE BUT ARE NOT LIMITED TO, SHOWING A OWING BALANCE WHEN THERE IS NO SUCH LAWFUL DEBT OWED BY THE CONSUMER AS ESTABLISHED PER IRS TOPIC XXXX AND AS THE SUPREME COURT RULED IN " XXXX XXXX, XXXX XXXX XXXX XXXX which held : a credit report may include discharged debt only if the debt [ is reported ] as having a XXXX balance due to reflect the fact that the consumer is no longer liable for the discharged debt ). IRS CLASSIFIES DISCHARGED DEBT BALANCE AS INCOME WHICH INCOME DOES NOT BELONG ON A " CREDIT '' REPORT. YOU EXPERIAN ARE FALSELY REPORTING BALANCES UNDER THESE ACCOUNTS THAT HAVE BEEN DISCHARGED FOR TAX PURPOSES BY THE FURNISHER UNDER IRC 166 AND ARE IN SEVERE VIOLATION UNDER THE FCRA MAXIMUM ACCURACY REQUIREMENT. THESE BALANCES ARE TO REPORT AS XXXX OR SIMPLY ACCOUNT BE DELETED FOR COTAINING INACCURACIES MAKING THE ACCOUNTS MISLEADING AND DECEPTIVE. YOU HAVE ALREADY HALF WAY PERFORMED YOUR DUTIES DURING PENDING PROCESSES, PERFORM YOUR NON-NEGOTIABLE OBLIGATION TO MAXIMUM ACCURACY UNDER THE FCRA AND CORRECT OR DELETE THE ACCOUNTS UNDER XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX AND SETTLE THIS MATTER IN GOOD FAITH XXXX REQUESTED IN COMPLAINT NUMBER XXXX

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