Consumer complaint received 2024-10-15
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN LEGAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Formal Dispute and Notice of Violation of FCRA and FDCPAXXXX To Whom It May Concern, This letter serves as a formal dispute regarding the alleged debt associated with my account [ insert account number ] with XXXX XXXX XXXX  as well as a notice of violation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I am hereby notifying of potential criminal and civil liability arising from misrepresentations related to this account. 

XXXX XXXX XXXX XXXXDispute of Alleged DebtXXXX  I am disputing the validity of the alleged debt reported on my credit file. Specifically, I demand immediate validation that substantiates any charges exceeding {$300.00} prior to the account closing or charging off. Under the provisions of the FCRA, I have the right to request documentation that verifies the accuracy and legitimacy of this debt. As of this date, no such verification has been provided. 

XXXX XXXX XXXX XXXXViolation of the FCRA and FDCPAXXXX The inaccuracies associated with this debt, alongside the failure to provide validated evidence, amount to violations of both the FCRA and the FDCPA. These violations include, but are not limited to : XXXX XXXXFCRA ViolationsXXXX XXXX XXXX Failure to provide accurate information in my credit report. 
- Failure to conduct a proper investigation of the disputed information upon my request. 

XXXX XXXXFDCPA ViolationsXXXX XXXX XXXX Attempting to collect a debt that is not validated or that has been inaccurately reported. 
- Engaging in practices that can be deemed coercive, harassing, or misleading regarding the debt. 

XXXX XXXX XXXX XXXXNotice of Potential LiabilityXXXX  Unless XXXX XXXX XXXX  can provide verified and truthful statements, bills, signatures, and proper notations that substantiate the charged amount and the overall debt, I will consider this a violation of my rights under both FCRA and FDCPA. Without this evidence, I will have probable cause to assume malfeasance on the part of XXXX XXXX XXXX and the credit reporting agencies involved, particularly Experian. 

XXXX XXXX XXXX XXXXCollusion and Fraudulent ActivitiesXXXX I further express my grave concern regarding the behavior exhibited by both XXXX XXXX XXXX and Experian in this matter. The repeated failure to address my disputes and provide proper validation may denote that they are colluding in nefarious activities that serve to extinguish responsibility and guilt for the harmful impact such erroneous reporting has had on my creditworthiness, impairing both my personal and business endeavors. 

XXXX XXXX XXXX XXXXRequest for ActionXXXX  I am formally requesting the following actions be taken : XXXX. Immediate cessation of any reporting of the alleged debt until proper validation is provided. 
XXXX. A full investigation into the practices employed by XXXX XXXX XXXX  and its agents regarding this account. 
XXXX. A written response to this dispute, including the requested validation, within 30 days of receipt of this letter. 

XXXX XXXX XXXX XXXXConclusionXXXX Failure to respond to this dispute or provide the requested validation may result in my taking further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to protect my rights and interests. 

Thank you for your immediate attention to this serious matter. 

Sincerely, [ XXXX XXXX ] [ Your Signature ( if sending a hard copy ) ] XXXX XXXX XXXXSubject : Formal Demand for Proof and AccountabilityXXXX To Whom It May Concern, I am writing to formally request that both parties, Experian and XXXX XXXX provide unequivocal proof regarding the matters discussed. This proof must go beyond reasonable doubt to ensure that all claims are substantiated. 

Furthermore, should any discrepancies be identified that indicate an error on your part, I demand that such errors be fully recognized as malicious and negligent. In such cases, I expect that appropriate consequences be imposed in accordance with the statutes, codes, and ethical standards relevant to this situation. 

It is essential that both organizations uphold their responsibilities to maintain accurate and ethical records. Failure to do so will not be tolerated, and I trust that you will treat this matter with the seriousness it deserves. 

Thank you for your prompt attention to this demand. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]