Consumer complaint received 2024-08-09
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. (NH)

I am writing to address the ongoing violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letter. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are continuing to report fraudulent accounts on my credit report that do not belong to me, which is a clear infringement upon my privacy rights. As I mentioned before, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report.

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you continue to report falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer\ 's actions. This misleading and unverified reporting is in direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : Despite my previous dispute, you have failed to verify the accuracy of the credit information you have accepted, thereby demonstrating willful noncompliance. This noncompliance is subject to civil liability of up to {$1000.00} per violation.

FCRA Section 605B - Aggravated Identity Theft : Your continued sharing of my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I remind you that this offense carries a penalty of up to 2 years of imprisonment.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute, you persist in furnishing inaccurate inquiries and accounts without proper validation, which potentially violates Generally Accepted Accounting Principles ( GAAP ). Reporting such deceptive information is unacceptable In addition to the aforementioned violations, I remind you of the previous violations outlined in my initial dispute letter, including the violation of Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations require your immediate attention and resolution.

Once again, I demand that you take immediate action to address these violations and fulfill the following requests : Account Name : XXXX  XXXX Account Number : XXXX The entry in question was reported without my written permission, contravening the requirements outlined in 15 U.S. Code 1681b ( 2 ) of the FCRA. As such, I request an immediate, comprehensive, and impartial re-investigation into these entries. I expect a detailed response outlining the findings of this investigation, including the original written instructions from me ( The consumer ) with my wet signature.

Additionally, I request documentation, including the periodic statement and tracking number, to prove that each periodic statement was delivered to me at least 21 days before the payment due date, as mandated by 15 U.S. Code 1666b.