Consumer complaint received 2024-08-28
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. (TX)

I am writing to formally dispute several inaccuracies on my credit report and to raise concerns about the potential unauthorized use and mishandling of my credit information. Upon viewing my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Collection Account name : # XXXX, Collection Account name : # XXXX, has violated my rights and I have identified the following issues : XXXX. Incorrect Dates on Account Openings and Closures : The dates listed for the opening and closing of several accounts on my credit report are inaccurate. These discrepancies do not reflect my actual account history. 

2. Incorrect High and Low Credit Amounts : The reported high and low credit amounts on my accounts are incorrect and do not match the actual balances or limits.

3. Inconsistent Reasons for Account Closure : The reasons provided for the closure of several accounts are inconsistent and inaccurate. These entries do not align with my account history or actions.

4. Unauthorized Access and Inaccurate Reporting : I have been contacted repeatedly by credit repair firms and received notices of false lawsuits. Additionally, employers have accessed my credit report without my consent, violating my privacy rights under the Fair Credit Reporting Act ( FCRA ).

5. Potential Unauthorized Sale of Credit Information : I am concerned that my credit information has been sold for advertising purposes to credit repair firms and potential scammers. This unauthorized use of my personal information is a violation of my privacy rights under the FCRA and other applicable laws.

6. Reported Fraud and SSN Breach : I have reported fraudulent activity related to my credit file and have set up fraud alerts following a breach of my Social Security Number. Despite these precautions, there has been continued unauthorized activity, suggesting my information has not been adequately protected.

Relevant Laws and Statutes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : - 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

- 15 U.S.C. 1681i ( a ) : Consumer reporting agencies must investigate any disputes raised by consumers regarding inaccuracies in their credit reports. If an item is found to be inaccurate or can not be verified, it must be corrected or removed.

- 15 U.S.C. 1681b ( a ) : Outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report, including obtaining the consumer 's consent.

- 15 U.S.C. 1681b ( c ) ( 1 ) : Restricts the use of consumer reports for prescreened offers of credit or insurance without the consumers consent.

- 15 U.S.C. 1681b ( f ) : Prohibits unauthorized access to credit reports unless the request falls within a defined permissible purpose.

- 15 U.S.C. 1681s-2 : Prohibits furnishers of information from reporting inaccurate information to credit reporting agencies and mandates correction of any inaccurate or incomplete information.

- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : - 15 U.S.C. 1692e : Prohibits debt collectors from using false, deceptive, or misleading representation in connection with the collection of any debt, including false lawsuits.

- 15 U.S.C. 1692c : Limits the ways in which debt collectors can contact consumers, including harassment through excessive phone calls.

- Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. : - 15 U.S.C. 6801 ( b ) : Financial institutions are required to protect the security and confidentiality of customer information, which includes taking appropriate steps to prevent unauthorized access to or use of such information.

- Identity Theft and Assumption Deterrence Act, 18 U.S.C. 102 : - Criminalizes the unauthorized use of another person 's identity with intent to commit fraud, which is relevant in cases where fraudulent activity has occurred due to a breach of my Social Security XXXX.