Consumer complaint received 2024-08-04
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. (AR)

I am writing to formally dispute the inaccurate information reported by XXXX XXXX XXXX on my credit reports with Experian, XXXX, and XXXX. The inconsistencies across these reports are significant and have led to a misrepresentation of my credit profile. Additionally, there are concerns that my private information may have been mishandled or improperly shared, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports, compensation for the harm caused, and a detailed investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Account Status : Experian : PAID XXXX : Derogatory XXXX : Derogatory XXXX. High Credit : Experian : {$0.00} XXXX : {$2000.00} XXXX : {$3400.00} XXXX Credit XXXX XXXX Experian : {$4800.00} XXXX XXXX {$0.00} XXXX XXXX {$4800.00} XXXX. Payment Status : Experian : Current XXXX : Collection/Charge-off XXXX : Collection/Charge-off XXXX XXXX Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Late Payments : Experian and XXXX : Shows late payments XXXX : No late payments reported Violations and Impact The discrepancies in the account status, payment status, high credit, credit limit, and late payment reporting between the credit bureaus are severe. The inconsistent reporting, such as the account being marked as PAID on Experian but Derogatory on XXXX and XXXX, along with differences in the high credit and credit limit, is misleading. Additionally, the presence of late payments on Experian and XXXX but not on XXXX creates further confusion and misrepresentation. These inaccuracies not only harm my creditworthiness but also suggest potential mishandling or unauthorized sharing of my personal information, which could constitute a privacy violation.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inconsistencies across the reports violate this standard. 
XXXX. XXXX XXXXSC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if information is found to be inaccurate or can not be verified during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : If my personal information was improperly handled or shared, leading to the account being sent to collections or discrepancies in reporting, this could constitute a violation of privacy rights.