Consumer complaint received 2024-10-16
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : Formal Notice of Continued Violation, Defamation of Character, Civil Liability, and Demand for Remedy and Compensation** Dear [ LEGAL DEPARTMENTS ], I am writing to formally notify you of the continued violations and damages I have experienced due to the management and reporting of my credit accounts by [ Company/Bureau Name ] . Over the past XXXX to XXXX months, I have received notifications of new collections recorded on my credit reports from Experian, XXXX, and XXXX concerning accounts that had previously been removed following disputessome of which date back months or years. 

I wish to emphasize the following critical points related to my claims : 1. **Resubmission of Previously Removed Accounts** : Accounts that were removed from my record due to disputes have been unjustly resubmitted as new debts. These erroneous entries include fraudulent dates of opening, misleading open/closed statuses, and inaccuracies regarding charge-off status.

2. **Inaccurate Reporting** : The reports contain detrimental inaccuracies such as indications of being in collections, credit card over-limit statuses, and erroneous past due amounts on accounts that were charged off. Additionally, the reported payment histories are not only incorrect but damaging to my reputation.

3. **Regulatory Non-Compliance** : My attempts to resolve these issues have been met with excessive dismissals and a disregard for the rules and regulations outlined in acts such as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

- **FCRA Statutes** : - **15 U.S.C. 1681e ( b ) ** : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

- **15 U.S.C. 1681i** : Outlines the procedures for consumers to dispute inaccurate information and mandates a reasonable investigation by the credit reporting agency.

- **FDCPA Statutes** : - **15 U.S.C. 1692e** : Prohibits false or misleading representations in connection with the collection of a debt.

- **15 U.S.C. 1692f** : Prohibits unfair practices in the collection of debts that may be deemed unfair or unconscionable.

4. **Relevant Supreme Court Cases** : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emphasizes the necessity for a concrete injury for claims under the FCRA, which supports my right to seek remedy for these violations. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Establishes standards of injury and the implications of inaccurate credit reporting on reputations and financial damages. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In this case, the court ruled that inaccuracies in the reporting of credit information can expose credit reporting agencies to liability under the FCRA for failure to conduct a proper investigation after being notified of a dispute.

5. **Inadequate Response to Complaints** : My outreach to agencies including the XXXX XXXX XXXX XXXX XXXX and the Consumer Financial Protection Bureau ( CFPB ) has led to no satisfactory resolutions. Your agency 's communications have been primarily digital and insufficient, with repeated claims of " inability to locate '' disputes or complaints, despite those items being clearly documented.

6. **Continued Damage to Creditworthiness** : The erroneous entries and the prolonged time it takes for resolution have significantly impaired my credit history and financial standing. Evidence supporting these claims can be verified through dispute records, credit reports, and my detailed history with your agency. 

In light of the issues highlighted above, I am formally demanding : - Immediate rectification of all inaccuracies on my credit report. 
- Confirmation, in writing, that falsely reported accounts have been removed and that corrective actions have been taken. 
- Compensation for the undue stress, financial detriment, and defamation of character I have suffered due to these inaccuracies and poor management of my credit data. 

Should this matter not be resolved within [ specific time frame, e.g., 30 days ] from the date of this letter, I will have no choice but to seek legal recourse for these grievances, including filing a lawsuit for defamation of character, civil liability, and any further violations of my rights under applicable federal regulations. 

I am hopeful that your agency will treat this matter with the urgency and seriousness it warrants. I expect a prompt and responsible response. 

Sincerely, XXXX XXXX XXXX XXXX **References** : - Fair Credit Reporting Act ( FCRA ) - Fair Debt Collection Practices Act ( FDCPA ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Enclosures : Copies of relevant documents and evidence