Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I am writing to formally dispute the following information on my credit report under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. I request an immediate investigation and removal of the items listed below as they are inaccurate and negatively affecting my credit standing. 

Accounts in Dispute Hard inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Date XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX off XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Student Loans US Department of Education XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Hard inquiries Student Loans/Recurring accounts 4. Department of Education 1. 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information This law mandates that no financial institution shall disclose or share personal financial information without the consumers consent. Any reporting of my student loan information or any other data without my permission is a violation of this law.

2. FCRA Section 605B - Blocking of Information Resulting from Identity Theft This section protects consumers from having fraudulent information reported as a result of identity theft. Any information added to my credit report without my explicit authorization, as outlined under this law, must be removed immediately. 
According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

3. 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance Under this section, credit reporting agencies are liable if they willfully fail to comply with the FCRA. If you continue to report inaccurate information after receiving this dispute, you could be subject to damages. As a consumer, I reserve the right to pursue legal action if my rights under this section are violated. 
4. FCRA Section 611 - Procedure in Case of Disputed Accuracy This law requires that if any item is disputed, the consumer reporting agency must investigate and respond promptly. Failure to do so could result in the violation of my rights under this section. 
5. FCRA Section 609 - Disclosure of Consumer Information and Disputes I am entitled to a full and accurate disclosure of my file to ensure that any negative item reported has been verified with proper authorization. I demand that these items be investigated and validated with the original creditor ; otherwise, they should be removed.

6. FCRA Section 623 - Responsibilities of Furnishers of Information Entities that furnish information to credit reporting agencies are required to provide accurate information. Any entity that has reported incorrect or unverifiable information is in violation of this law.

Additional Laws to Support My Dispute : 15 U.S. Code 1681c - Requirements Relating to Information on Consumers Negative information such as late payments should not be reported beyond the specified period. Any outdated or unverifiable negative information should be removed promptly.

15 U.S. Code 1692e - False or Misleading Representations Any false or misleading information on my credit report is a violation of this section, and the reporting agencies are legally obligated to rectify these errors.

I trust that you will act swiftly to investigate these accounts and remove any information that can not be verified or does not comply with the laws mentioned above. Failure to do so may result in further action to protect my rights under the Fair Credit Reporting Act and other consumer protection statutes.

According to laws I stated above, According to FRCA section 605B it is illegal to report without my permission. Please remove this negative item Thank you Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by law.