Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

To Whom It May Concern, This letter serves as an official notice of my grave concerns regarding your recent actions, which have resulted in the dissemination of an erroneous and defamatory consumer credit report about me. I obtained this report legally, by my rights under the Fair Credit Reporting Act ( FCRA ). Let me be unequivocally clear : The FCRA mandates that all information in a consumers credit report must be reported with 100 % accuracy, verifiability, and completenessno exceptions. Furthermore, all data must be reported within the allowable periods as specified under the Act. Your failure to adhere to these legal standards is not just a mistake ; it is a blatant violation of federal law. I demand that you provide incontrovertible proof that the information contained within the reported tradeline is 100 % accurate, complete, verifiable, and timely. Anything less than full compliance will not be tolerated. Below are the specific violations that I insist be
corrected immediately : XXXX XXXX XXXX XXXX - Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX  - XXXX - DELETE this medical collection account on my credit report due to illegal disclosure and handling of my medical information, which violates 15 U.S.C. 1681a and 15 U.S.C. 1681b ( 4 ). Violation of 15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) : Medical information on my credit report was shared inappropriately. The FCRA restricts the sharing of medical information, and the details of this account should not have been disclosed in this manner. Medical information must be kept confidential and used only for the purposes authorized by law. Violation of 15 U.S.C. 1681b ( 4 ) : The collection agency that reported this medical account to the credit bureaus did so in violation of the restrictions on redisclosing medical information. My medical information was disclosed to unauthorized parties and used improperly for collection activities. Remove this medical collection account from my credit report immediately. If this account was reported in violation of the FCRA, it is unlawful and must be deleted from my credit report. Failure to address this issue will result in further legal action to enforce my rights under the FCRA. 

XXXX  - XXXX - DELETE this medical collection account on my credit report due to illegal disclosure and handling of my medical information, which violates 15 U.S.C. 1681a and 15 U.S.C. 1681b ( 4 ). Violation of 15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) : Medical information on my credit report was shared inappropriately. The FCRA restricts the sharing of medical information, and the details of this account should not have been disclosed in this manner. Medical information must be kept confidential and used only for the purposes authorized by law. Violation of 15 U.S.C. 1681b ( 4 ) : The collection agency that reported this medical account to the credit bureaus did so in violation of the restrictions on redisclosing medical information. My medical information was disclosed to unauthorized parties and used improperly for collection activities. Remove this medical collection account from my credit report immediately. If this account was reported in violation of the FCRA, it is unlawful and must be deleted from my credit report. Failure to address this issue will result in further legal action to enforce my rights under the FCRA.

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX - XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX  This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX XXXX This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately! 

XXXX XXXX XXXX XXXX  This company has requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? ( 15 U.S.C. 1681q ). This conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. DELETE this unauthorized inquiry from my report immediately!