Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX Subject : Demand for Correction of Credit Report Inaccuracies per CFRA as a federally protected consumer. I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act and other applicable regulations, including 15 U.S. Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies handling consumer information with fairness, impartiality, and respect for privacy. 

As a consumer, I have the right to protect my private information from being shared, as outlined in 15 USC 6801. This section states that " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Notably, the " furnisher of information to credit agencies, '' qualifies as a financial institution under this statute. Furthermore, 15 USC Section 1681b ( permissible purpose ) restricts the circumstances under which consumer reporting agencies like XXXX, XXXX, and Experian can furnish consumer reports. This section explicitly states : " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the furnisher of information, does not possess written consent from me to access my personal information. Therefore, as a federally protected consumer I am now opting out of any-and-all authorization I, the consumer may have given you- written, unwritten, verbal or nonverbal per 15 USC 1802 with instructions of the following- ONLY : - Inquiries - previous address ( non-mailable ) - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - status loan term. I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA, on each of my consumer files with the three bureaus. IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 

The only current personal information I verify as accurate reporting is the following : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX Payment status, reporting and remarks for all accounts to be updated to paid as agreed/on time. 
Usage for all accounts to be updated to 0 %. 

The CFPB definition of Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Information added to your report without your written consent could be considered Identity theft. I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX