Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

All of these accounts listed below has violated my rights and I am requesting all of them be deleted for my credit report ASAP : XXXX. XXXX XXXX acct XXXX XXXX. XXXX XXXX act XXXX XXXX. XXXX act- XXXX XXXX. XXXX act- XXXX XXXX. XXXX  XXXX act- XXXX XXXX. XXXX XXXX act- XXXX XXXX. XXXX  XXXX act- XXXX XXXX. XXXX act- XXXX XXXX. XXXX act- XXXX XXXX. XXXX XXXX XXXX. XXXX  act- XXXX XXXX. XXXX act- XXXX XXXX. XXXX act- XXXX XXXX. XXXX XXXX  act- XXXX XXXX. XXXX act- XXXX XXXX. XXXX act- XXXX XXXX. XXXX XXXX act- XXXX XXXX. XXXX XXXX- XXXX XXXX. XXXX  XXXX  XXXX referring to specific sections of the Fair Credit Reporting Act ( FCRA ) under Title 15 of the U.S. Code . Heres an overview of the relevant sections you mentioned and how they relate to disputing inaccuracies on a credit report : 1. 15 U.S.C. 1681s-2 ( a ) - Responsibilities of Furnishers of Information ( a ) ( 1 ) : Prohibits the reporting of inaccurate information. Furnishers must not knowingly report inaccurate or incomplete information to a credit reporting agency.

( a ) ( 2 ) : Requires the furnisher to correct or update information if it becomes aware of an inaccuracy.

In summary, this section ensures that companies providing data to credit bureaus must ensure the information is accurate.

2. 15 U.S.C. 1681c ( a ) ( 5 ) - Obsolete Information This section deals with the time limits for negative information on credit reports.

Specifically, under ( a ) ( 5 ), civil judgments, collections, and certain other negative information must be removed from credit reports after seven years from the date of the event.

This provision helps in disputing outdated or obsolete negative information.

15 U.S.C. 1681b ( a ) ( 3 ) - Permissible Purposes of Consumer Reports This defines who is allowed to access your credit report and under what conditions.

( a ) ( 3 ) : Lists the permissible purposes for accessing a consumers credit report, such as for credit, insurance, employment, or other legitimate business purposes. If your credit report was accessed without a permissible purpose, this can be disputed.

15 U.S.C. 1681i ( a ) - Procedure in Case of Disputed Accuracy This outlines the procedure for consumers to dispute inaccuracies on their credit report.

( a ) ( 1 ) : When a consumer disputes the accuracy of any information in their file, the credit reporting agency must conduct a reasonable reinvestigation within 30 days of receiving the dispute.

( a ) ( 5 ) : After completing the investigation, the agency must correct or delete any inaccurate, incomplete, or unverifiable information.

Disputing Credit Report Inaccuracies : l believe theres inaccurate information on your credit report, you can dispute it directly with the credit reporting agency. The agency must then reinvestigate the claim and correct or remove the disputed data if it is found to be inaccurate or unverifiable.

Entities furnishing the information ( such as creditors ) are responsible for ensuring the accuracy of the data they report. If they find errors, they must update or correct the information with the credit bureau. 

These laws are designed to protect consumers from inaccuracies and ensure that their credit reports are a fair reflection of their credit history.