Consumer complaint received 2024-10-12
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)

I am writing to dispute several errors that appear on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and I demand their immediate removal. The continued reporting of these inaccuracies is damaging and unlawful. 

1. Personal Information Inaccuracies According to FCRA 609, I am entitled to a complete and accurate credit report, which must reflect correct personal information. The following personal details are incorrect and must be updated immediately : Current Address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Previous Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX These inaccuracies violate my rights under FCRA 605 ( a ), which mandates that only accurate, verifiable information can remain on my credit report. Immediate removal is required. 

2. Unauthorized Inquiry FCRA 604 Violation The following inquiry was made without my authorization and constitutes a violation of FCRA 604, which requires permissible purpose before any inquiry is placed on a credit report : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I did not authorize this inquiry, and it must be removed immediately. Failure to do so constitutes a violation of FCRA 604. 

XXXX. Failure to Mark Accounts as Disputed FDCPA & FCRA Violations Under FCRA 623 ( a ) ( 3 ) and FDCPA 809 ( b ), any data furnisher must mark an account as disputed within 30 days when a dispute is filed. The following accounts have been disputed, yet they have not been updated to reflect the dispute. This constitutes a violation of my rights : XXXX XXXX XXXX. Account XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX These accounts were disputed, yet no action has been taken to reflect the dispute on my report. Failure to notate a dispute is a breach of FCRA and FDCPA, and I demand their immediate removal from my credit file. 

4. Violation of FCRA 611 ( a ) Failure to Verify According to FCRA 611 ( a ) ( 1 ), credit bureaus must investigate disputed items within 30 days. If the items can not be verified, they must be removed under FCRA 611 ( a ) ( 5 ). The following accounts have not been properly verified and must be removed : XXXX XXXX XXXX. Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Since you have failed to provide proper verification for these accounts, they must be deleted from my credit report immediately, as required by FCRA 611. 

5. Unauthorized Account FCRA 1681b Permissible Purpose Under FCRA 1681b, credit bureaus may only include accounts on my report if they have a permissible purpose. I never gave permission for the following account to be reported : XXXX XXXX XXXX XXXX Account Number : XXXX The inclusion of this account is fraudulent and must be removed from my report immediately. 

6. Legal Consequences and Demands for Immediate Deletion You have 30 days to complete your investigation, as required under FCRA 611 ( a ) ( 1 ) ( A ). Additionally, under FCRA 616 and FCRA 617, I may seek legal damages of up to {$1000.00} per violation. If you fail to comply with the law and do not resolve these issues within the prescribed time frame, I will pursue legal action, including : Defamation : Reporting inaccurate information damages my reputation. 
Negligent Enablement of Identity Fraud : Failing to correct these errors exposes me to the risk of identity theft. 
Violations of the FCRA : Each violation carries a fine of up to {$1000.00}. 

Failure to resolve these disputes will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and small claims court. 

Summary of Requested Actions Immediate deletion of inaccurate personal information. 
Removal of unauthorized inquiries. 
Deletion of accounts not marked as disputed within 30 days. 
Removal of accounts that can not be properly verified. 
Provision of a full method of verification as required by law. 

Failure to comply with these demands will result in further legal action. 

Thank you for your prompt attention to these matters. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : Last XXXX Digits XXXX