Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Complaint Reason : Unauthorized Accounts, Reinsertion of Blocked Accounts, and Violation of Consumer Rights Upon reviewing my credit report, I identified unauthorized fraud accounts. Additionally, I discovered that an account previously blocked and deleted has been reinserted into my report. Despite my efforts, including providing a Federal Trade Commission ( FTC ) report, my California state drivers license, and my Social Security card, the credit bureau has failed to take corrective action, which is a violation of both federal and California consumer protection laws. 

I would like to see all documents pertaining to the account listed in the notice to start a reinvestigation dispute that I have attached. The credit reporting agency has verified these items. They stated that they relied on the information that came the companies listed in the reinvestigation dispute. I don't agree with the companies reporting nor the credit reporting agencies decision to verify this account which is why I'm asking for the following :. Contract with my signature. 
. Proof that I have given the companies the authorization to report to the credit reporting agencies. 
. A complete payment history from the day the account was opened to the day it was closed. A history of all payments and interest applied. 
Please do not send me a standard one sheet paper proving your case. I would like to see what I have requested. The law allows this right.please send me this writhing 7 business days.

Applicable Laws and Codes : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g : This section gives you the right to request all the information in your credit file, including any documentation that led to the verification of the disputed account.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) : This section requires credit reporting agencies to provide a consumer with a written report of the results of a reinvestigation and, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information.

3. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) : This section mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumers credit report. This includes providing documentation and evidence supporting the verification of disputed accounts.

4. California Civil Code 1785.10 : Under the California Consumer Credit Reporting Agencies Act ( CCCRAA ), this code provides California consumers the right to request the information in their credit report and any source of the information, including details on the parties that have accessed their credit file.

5. California Civil Code 1785.16 : This code requires that credit reporting agencies promptly and accurately respond to consumer disputes, including providing the results of the reinvestigation and the documentation relied upon for verification.

6. California Civil Code 1788.17 : This section extends the protections of the federal Fair Debt Collection Practices Act ( FDCPA ) to California consumers, requiring that any debt collectors provide verification of the debt, including the original contract and payment history.

7. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : If the account in question involves a debt, this section gives you the right to request verification of the debt, which must include the original contract and a detailed payment history.

8. California Financial Code 4052-4053 : Under the California Financial Information Privacy Act, consumers have additional protections regarding the sharing and disclosure of personal financial information. This includes the right to request details on how your information is being used and reported.

9. California Civil Code 1798.92 et seq. ( California Identity Theft Law ) : This code provides protections for victims of identity theft, allowing them to request information related to fraudulent accounts and requiring companies to provide documentation that verifies the account.

10. California Consumer Privacy Act ( CCPA ), Civil Code 1798.100 et seq. : Although primarily focused on privacy, the CCPA allows California residents to request access to the personal information that companies have collected, which can include information related to accounts and credit reporting.

11. 15 U.S.C. 1681c-2 : This section of the FCRA requires credit reporting agencies to block information identified as resulting from identity theft within four business days after receiving appropriate documentation. It supports your right to have accurate information reflected in your credit report.

12. California Civil Code 1785.25 ( a ) : This section holds that a person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate.

13. California Civil Code 1785.31 : This provides the right to bring action against credit reporting agencies that fail to comply with their legal obligations, offering a remedy for damages caused by inaccurate or incomplete information being reported. 

These laws collectively grant you the right to request the documentation related to the disputed account. I expect to receive these documents within XXXX business days. 



Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a 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. '' ( Furnisher of information to credit agencies ) 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, Experian, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 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. 15 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. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili ) ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagrap ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.