Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms. '' I would like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX. XXXX XXXX, XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 

Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or their update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the referenced items that need to be updated to reflect positive and/or removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX According to 15 U.S. Code 1692j XXXX it is XXXX to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions. 

Given the above, I believe these entries on my credit report may have resulted from deceptive practices or inaccuracies, and I request a thorough investigation into each of these items. Please validate the legitimacy of each entry and provide me with supporting documentation. If any of the aforementioned items can not be validated or are found to be reported in error or in violation of 15 U.S. Code 1692j, I respectfully request their immediate removal from my credit report. Additionally, please send me written confirmation once these items have been removed or updated. 

This is my fifth request ; I will also be sending a copy of this letter to the Federal Trade Commission ( FTC ) notifying them that I have signed receipts for letters sent to you, and you have not complied with my request. I regret that I am being forced to take such action. As you are aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I will be filing a complaint with the FTC should you continue in your non-compliance. 

Furthermore, I remind you of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts. You may also be liable for your willful non-compliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.