Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX Subject : Dispute of XXXX Credit Report XXXX I am writing to formally dispute several inaccuracies on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ) Sections XXXX ( b ), XXXX ( b ), and XXXX ( b ), specifically regarding incorrect address information, closed accounts listed as open, late payments that do not belong to me, accounts that dont belong to me, inquires I did not consent to any inquiries that do not belong to me. Disputed Information : Incorrect Address : My credit report currently lists an address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is not my current residence. XXXX Accounts : My credit report currently lists an account as " closed '' but still shows as active as recent activity. This account was closed on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was closed on XX/XX/XXXX XXXX. XXXX - This account was closed on XX/XX/XXXX Late Payments : Multiple late payments that are not associated with my accounts are listed on my credit report. I have never had any late payments on these accounts. 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  Accounts : My credit report currently includes accounts that do not belong to me. Specifically, this account is not mine. XXXX. XXXX XXXX I believe this inaccurate information is the result of identity theft and is causing me significant harm by negatively impacting my XXXX XXXX. I am requesting that XXXX immediately investigate these discrepancies and remove all incorrect address information, closed accounts with recent activity, and disputed late payments from my credit report. Please consider this a formal request to investigate and correct the following inaccurate items in my credit report issued by your agency. These items must be removed to show my true credit history. I make this request according to 15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As requested by the XXXX, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within XXXX ( XXXX ) days constitutes a reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or the corrected copy of my report. Finally, please send me the names and addresses of all the individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. According to 15 USC Code 1666b, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. According to FCRA XXXX, ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. Sincerely, XXXX XXXX