Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

CFPB DISPUTE TEMPLATE This is my fourth attempt at notifying your company. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am revoking & opting out of any and all authorization I, the consumer, may have given XXXX, XXXX, & Experian, written, verbal, & nonverbal, for reporting on XXXX XXXX Account # XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) for the following months : XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX : XXXX to XXXX XXXX XXXX XXXX : XXXX. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602, it states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801, which states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. I have provided this financial institution with an opt out notice.

15 USC 1681 section 604, section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX the financial institution , and the consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information, and they surely do not have my written consent. 
Any and all consent to XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise, is revoked regarding the XXXX XXXX  Account # XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' You are now on notice that this information is in fact inaccurate.

U.S. Code 1681e states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Please provide evidence of my written consent that authorized your company to list these adverse items on my report. If you can not provide that to me, you are in violation of 1681b under the Fair Credit Reporting Act. 


In addition, the XXXX XXXX  Account # XXXX AND XXXX XXXX XXXX ( ACCOUNT NUMBER ENDING XXXX ) account is designated as a charge off account. Per 26 U.S. Code 108, charge-off accounts are a certificate of indebtedness and therefore considered income, and income can not be reported on a credit report. The status " Charge Off '' must be updated and immediately removed from the report, supported by IRS Publication 4681. Any authorization, verbal, nonverbal, written, or non-written, I am now rescinding the authorization on reporting from XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX  : XXXX to XXXX via 15 USC 6802 & 16 CFR 313.7 & whatever authorization XXXX XXXX Experian, & XXXX and XXXX XXXX  XXXX XXXX XXXX thought they had regarding the reporting of the derogatory information on this account no longer has, and it is effective immediately and indefinitely. 


In addition, the payment status on this account is inaccurate and invalid. Experian, XXXX, and XXXX are required to report the maximum possible accuracy of any information that your company reports. Please verify these late payments from XXXX XXXX  XXXX to XXXX XXXX XXXX XXXX : XXXX to XXXX XXXX XXXX XXXX : XXXX. 

If you can not verify them, please update these late payments and the account to Paid As Agreed Never Late ( PAANL ) permanently. Provide documentation showing this account is indeed late, or it will be a violation of 15 U.S.C. 1666b and a violation of 15 U.S.C 1637a ( a ). 

The late payments are to be updated as Paid As Agreed Never Late ( PAANL ), and the charge-off status for each month for this account is to be removed from my Credit Report effective immediately.