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

Immediate Demand for Permanent Deletion of Unauthorized Accounts Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am formally demanding the immediate and permanent deletion of the following inaccurate and unauthorized accounts from my credit report : XXXX Bank XXXX XXXX XXXX XXXX XXXX for Dispute : No Contract or Wet Signature I have no contractual relationship with XXXX Bank or XXXX XXXX XXXX XXXX. I have never signed any contract with these entities, nor provided a wet signature authorizing the creation of these accounts. The reporting of these accounts is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, which governs permissible purposes for consumer reporting. 

Since there is no permissible purpose for reporting accounts that I did not authorize, I demand the permanent removal of these accounts. The burden of proof rests entirely on your agency to verify the accuracy of the information. Without any signed contract or my express consent, these accounts must be immediately deleted.

Legal Violations and My Rights Under 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing these accounts, and you are required to investigate this matter. If you can not verify the accuracy of these accounts under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), they must be permanently deleted. Furthermore, once these accounts are deleted, they can not be reinserted without full legal compliance under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Should these accounts be reinserted, you are required to notify me within 5 business days and provide proof of my wet signature or contractual agreement.

Failure to comply constitutes a willful violation of the FCRA.

Criminal and Civil Liabilities for Non-Compliance Under 15 U.S.C. 1681n, willful non-compliance with the FCRA can result in liability for actual, statutory, and punitive damages, along with legal fees. 15 U.S.C. 1681o further establishes that negligent non-compliance may also result in financial liability.

Your continued reporting of these unauthorized accounts without proper verification constitutes defamation and a violation of my rights under federal law. Failure to act within the legally mandated timeframe will result in my pursuit of all available legal remedies. 

Address Correction and Fraud Alert Removal Moreover, my only valid address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. Any other addresses on my report are incorrect and must be immediately removed. Additionally, all fraud alerts on my report must be removed, as they are incorrect and not requested by me. 

Rent-to-Income Data Error The rent-to-income ratio on my file is grossly inaccurate and is having a negative impact on my housing and credit applications. I demand the immediate correction or removal of this erroneous data.

24-Hour Deadline for Action I have waited long enough for these errors to be corrected, and I will no longer tolerate further delays. You have 24 hours from receipt of this letter to comply with the following demands : 1. Permanently delete the XXXX Bank and XXXX XXXX XXXX XXXX accounts from my credit report. 
2. Correct or remove the inaccurate rent-to-income data.

3. Remove all unauthorized addresses, retaining only XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
4. Remove all fraud alerts from my credit file.

5. Ensure these accounts and data are removed from any rental screening platforms and can not be reinserted without strict legal compliance, including notification and proof of my wet signature or contractual agreement.

Failure to comply within 24 hours will result in me taking immediate legal action to enforce my rights under the FCRA, including seeking damages for non-compliance.

Thank you for your immediate attention to this matter. I expect written confirmation of these deletions, corrections, and an updated credit report reflecting these changes within 24 hours. 

Sincerely, XXXX XXXX