Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX : XX/XX/1980 ExperianXXXX XXXX Subject XXXX Credit Account ( XXXX ) Dispute Letter FCRA Violation Reference : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EducationXXXX XXXX XXXX Dept of EducationXXXX XXXX XXXX Dept of EducationXXXX XXXX XXXX Dept of EducationXXXX XXXX 5. Dept of Education/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX. XXXX Notice to Agent is Notice in Principle- Notice to Principle is Notice to Agent. 

To Whom it May Concern : This Formal dispute letter serves you company in connection with violations of the Fair Credit Reporting Act 15 U.S.C. 1681. Seq ( hereafter FCRA which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair Practice.

I. What your Company need to know 1. Please be aware that I dispute the information contained in my credit/consumer files. See Above Reference Account ( s ) : 2. I carefully investigated this incident the Creditors never provided any information to your company, nor do they validate and/or confirm records.

3. The Information is never validated by the Creditors system due to the Fair Credit Reporting Agency Privacy Law.

4. The Companies confirmed that your company has never validated or verified this entry on my consumer credit report neither will they ever be by them. They further stated that they are not liable or responsible for any misuse of incorrect public records nor the distribution of said information. Credit Bureaus may and oftentimes are reported by third parties sources unaware to the consumer, and in most cases incorrect.

5. Your Company reported unverified derogatory information to my consumer/credit report.

6. Your Company failed to provide me with competent and documentary evidence to prove that the disputed information is verified. If the CRA can not validate the information with the information furnisher. CRA must remove said information from the consumer file.

7. According to the FCRA. I have the right to an accurate consumer/credit report.

II. Demand : You are placed on notice that you have multiple violations of the FCRA and in a reasonable effort to resolve this matter amicably. I demand the following.

1. Considering the information indicating a FCRA Violation, ( I need ALL information currently showing under my Social Security Number ( SSN ) to be permanently deleted from my consumer/credit report immediately. See Above Reference Account ( s ) : 2. I demand the immediate and permanent deletion of all/any derogatory information and marks from my consumer/credit report.

3. I request you to provide me with a copy of my new consumer/credit report reflecting information removed upon completion.

Be Advised, your actions give rise to a viable claim for federal action for violations of the FCRA. As such I advise that you comply with my demands and avoid ligation against your company.

Failure to comply with the aforementioned demand within thirty ( 30 ) days from the date of this letter will result in a lawsuit being filed against you. I have consulted with the attorney regarding my available options and avenues of redness, and he is prepared to take swift action in the matter.

Please note that this letter constitutes a notice of intent to sue and any and all documents including electronically stored communications relating to me and any potential claims I may have should be preserved to every extent possible.

I know that your company will send some sort of verification to prove my identity. My information is clearly shown above below. 

Govern yourself accordingly. 
Respectfully,

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