Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Dispute of Fraudulent Collection and Violation of Consumer Rights with unverifiable information reporting. 

Re : Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Agency, I am writing to formally dispute the accuracy and legitimacy of the above-referenced accounts, which are inaccurate, incomplete, and unverifiable items that are associated with my credit profile. These accounts are not reporting 100 % accurately and there was an account opened without my authorization. I have identified multiple violations of consumer protection laws and demand immediate action to correct these inaccuracies.

1. Fraudulent Account and False reporting XXXX : Late payments were reported in XX/XX/XXXX ( 30 days ) and XX/XX/XXXX ( 60 days ). NEVER WAS LATE, BILLING ERROR XXXXXXXX XXXX XXXXXXXX : Collection account of {$590.00}, opened without authorization.FRAUD XXXX XXXX XXXX XXXX : The account charged off with a {$720.00} balance and late payments were reported inaccurately. Last payment is inaccurate, First delinquent is inaccurate and unverifiable, payment history is within violation under 15 usc 1681e ( b ) and 15 usc 1666b. False information XXXX XXXX XXXX : Account with a balance of {$280.00} and a late payment history that is unverifiable.NEER LATE/ FALSE REPORTING STOP REPORTING ACCOUNT OR BLOCK PAYMENT HISTORY FOR NOT REPORTING 100 % accurately. 

I did not authorize or open XXXX XXXX XXXX, this account is a fraud. This is a clear case of identity theft, and you do not have my consent to use my personal information, including my SSN. The lack of a signed contract or agreement further proves that this collection is fraudulent. Under 15 U.S.C. 1666b, 15 U.S.C. 1692g, and 15 U.S.C. 1692k, I demand that this account be removed from my credit report immediately. 

2. Violations of Consumer Privacy and Unauthorized Use of Identification The reporting and use of my personal information without my consent is a violation of consumer privacy laws, specifically under 15 U.S.C. 6801-6809 ( Gramm-Leach-Bliley Act ). These actions also violate my rights under the Uniform Commercial Code ( UCC ), which protects consumers from unauthorized use of their identification for financial gain. 

3. Invasion of Privacy and Collection Practices Your company has violated my rights by unlawfully collecting and reporting these accounts without my authorization. This is a violation of 15 U.S.C. 1692e ( 5 ) and 15 U.S.C. 1692g, and I demand the immediate cessation of all collection activities, communication, and reporting. If my demands are not met, I will seek statutory damages for invasion of privacy and false reporting under 15 U.S.C. 1692k. 
XXXX & XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$590.00} Status : Collection account, {$590.00} past due as of XX/XX/XXXX Violation : This is a fraudulent account and violates 15 USC 1692e ( 5 ), 15 USC 1692k, and 15 USC 1692g. I did not authorize this account ; it is unverifiable and inaccurate. Please delete it immediately.

4. Inaccurate and Unverifiable Reporting of Late Payments As required by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must report 100 % accurate and verifiable information. The reporting of late payments on the accounts is inaccurate and unverifiable, violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c-2. Under these laws, I demand the immediate correction or deletion of the accounts below : XXXX  Status : Closed, Paid Original balance : {$720.00} Late Payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ) Violation : The reporting of late payments violates 15 USC 1681e ( b ) and 15 USC 1681c-2 . There is no proof provided that payments were made. Please remove late payments immediately. DELETE THE ACCOUNT OR REMOVE LATE PAYMENTS I DO NOT WANT THIS ACCOUNT TO REPORT IF YOUR COMPANY IS GOING TO CONTINUE TO VIOLATE MY RIGHTS WITH INACCURACIES. 

XXXX XXXX XXXX* Balance : {$280.00} Status : Open, {$280.00} past due as of XX/XX/XXXX Violation : The payment history is inaccurate, and the late payment reporting is unverifiable. Please correct and remove late payments immediately under 15 USC 1681i ( 5 ). Billing error, as you can see i made on-time payments and i was never late. Experian is reporting false and misrepresentation. This is a violation and I will seek litigation. I want proof, I want documents of these false allegations, IF NOT IT IS A MUST YOU DELETE ALL LATE PAYMENTS. 

XXXXXXXX XXXX XXXX XXXX  Balance : {$720.00} Status : Account charged off as of XX/XX/XXXX Late Payments : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( 150 days ) Violation : This account was not authorized and is the result of identity theft. The reporting of late payments and charge-offs is fraudulent. Remove this account immediately under FCRA laws 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). NO CONSENT TO OPEN, IDENTITY THEFT AND IT SHOULD NOT BE REPORTED. DELETE THIS ACCOUNT.

5. Refusal to Remove and Update Failure to comply with my demands for removal, deletion, and updates of these fraudulent accounts will result in arbitration and potential legal action. By refusing to update my credit report accurately, you are further violating 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681i ( 5 ). The ongoing inaccurate reporting of these accounts will lead to statutory damages and claims for false reporting under the FCRA.

6. Potential for Arbitration and Damages If my demands are not met within 30 days, I will seek arbitration for statutory damages due to false reporting and violations of the FCRA and FDCPA. The damages resulting from inaccurate information will be sought to the fullest extent of the law.

7. Authorization and Verification I am the only debtor who can verify the legitimacy of any accounts under my name. I hereby demand that you delete all the negative items, unverifiable accounts, and inaccurate reports associated with my credit profile. Cease and desist all further communication and collection attempts immediately. 

Attached to this letter is a copy of my Experian report ( dated XX/XX/XXXX ), which details the inaccuracies in my credit profile. I demand the immediate removal of all the negative accounts listed above, including hard inquiries not linked to any open accounts. 

Failure to correct these violations will result in further legal action. 

Sincerely, XXXX XXXX