Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

THIS COMPLAINT IS ON EXPERIAN, XXXX AND XXXX CREDIT BUREAUSRe : Removal of Inaccurate Information/Dispute of Negative Items and Request of Removal of Unauthorized/Outdated Credit InquiriesI am very distressed that my credit bureaus ( Experian, XXXX and XXXX ) include the information that is reported in my credit file ( which is listed on attached documents ) due to its damaging effects on my good name. As you are no doubt aware, credit reporting laws ensure that the bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either the credit bureaus or the reporting creditor 's part. Because of these mistakes on my credit reports, I have been wrongfully denied credit recently for a personal loan, credit card, and the refinancing of my high interest car loan, which is highly embarrassing and has negatively impacted my life. 

With the proof I am attaching to this complaint, I am sure you will agree it all needs to be removed as soon as possible. 

Note : 15 U.S.C. 1681i ( 5 ) 611 ( A ) " If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item or items of information from file of the consumer, or modify those items of information, as appropriate, based on the results of the reinvestigation ( please see all proof submitted ) ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. " I am requesting with this written notice that the following inaccurate, outdated, items be removed from my credit reports. These items are not correct and are causing me financial distress because of the derogatory information on my Experian, XXXX and XXXX credit files. These items are attached and annotated on the attached documentation. 
I understand ( per the Federal Credit Reporting Act ), that you are required to notify me of your investigation results with XXXX days and that the consumer reporting agencies ( Experian, XXXX and XXXX ) must correct or delete the inaccurate, incomplete or unverifiable information must be removed or corrected within XXXX days. 
If this investigation is not complete by XX/XX/XXXX, and that I have not received my updated Experian, XXXX and XXXX credit reports with the removed inaccurate, unverifiable and incomplete credit information ; I may seek damages from Experian, XXXX and XXXX or from the creditors that violated the FCRA. 
Attached is proof of my claim supporting my position. Please investigate these matters and remove them from my credit files ( Experian, XXXX and XXXX ) as soon as possible. 
Please forward an updated copy of my credit bureaus ( Experian, XXXX and XXXX ) to me with the noted corrections and the deletion of the outdated information or the inaccurate information and the unverifiable information. 
I await your reply no later than XX/XX/XXXX. 
Very truly yours, XXXX XXXX XXXX XXXX of Title XXXX of the Official Compilation of Codes, Rules and Regulations of the State of New York. Signed by XXXX XXXX ; XX/XX/XXXX ; Superintendent of Financial Services. 
" A Summary of ( My ) Rights Under the Fair Credit Reporting Act : The Federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. ''