Consumer complaint received 2024-09-27
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. (OH)

I, XXXX XXXX XXXX  am writing to formally dispute inaccurate information contained in my credit report. This letter serves as a notice under various federal statutes and regulations, including but not limited to : 15 U.S.C. 1681 ( Fair Credit Reporting Act ) 18 U.S.C. 8 ( Obligations or Securities of the United States ) 15 U.S.C. 6508 ( Childrens Online Privacy Protection Act ) 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Obligations with Respect to Disclosures of Personal Information ) 15 U.S.C. 6805 ( Enforcement of Gramm-Leach-Bliley Act ) 5 U.S.C. 552a ( Privacy Act of 1974 ) 16 C.F.R. 444.1 ( Unfair or Deceptive Acts or Practices ) 16 C.F.R. 433.3 ( Preservation of Consumers Claims and Defenses ) 1. Identification of Inaccurate Information I have identified the following inaccuracies in my credit report : Names, Amounts, Accounts, Addresses, Phone Numbers and Identity Theft and Securities Fraud Legal Basis for Dispute Under 15 U.S.C. 1681i, I am entitled to dispute the accuracy of any information in my credit report. The Fair Credit Reporting Act mandates that consumer reporting agencies must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file. Relevant case law includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was found to have failed to use reasonable procedures to ensure the accuracy of credit files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The Supreme Court held that a plaintiff must show a concrete injury to have standing under the FCRA. 
3. Obligations of Consumer Reporting Agencies Pursuant to 15 U.S.C. 1681i, you are required to : Conduct a reasonable reinvestigation of the disputed information. 
Record the current status of the disputed information or delete the item from the file. 
Complete the reinvestigation within 30 days of receiving this notice. 
Notify the furnisher of the disputed information within 5 business days of receiving this notice.

4. Privacy and Data Protection Under the Privacy Act of 1974 and 15 U.S.C. 6802, you are obligated to protect my personal information and ensure that it is not disclosed without my consent. Relevant case law includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The Supreme Court held that plaintiffs must show actual damages to recover under the Privacy Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case addressed the disclosure of nonpublic personal information under the Gramm-Leach-Bliley Act.

5. Prohibition on Reporting Certain Transaction Histories Under 15 U.S.C. 1681c, certain types of information, including transaction histories, can not be included in consumer reports after specific periods. This statute ensures that outdated or irrelevant information does not unfairly impact consumers credit reports. 
6. Lack of Arbitration Agreement As I have not signed any agreement containing an arbitration clause, I am not bound by any arbitration provisions. This opens the door for a civil unlimited suit against your companies. Relevant case law includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 563 U.S. 333 XXXX XXXX XXXX  : The Supreme Court held that arbitration agreements must be explicitly agreed upon by both parties. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ___ ( XXXX ) : The Court held that non-signatories can not enforce arbitration agreements unless there is a clear agreement to arbitrate. 
7. Rescission of Authorization Any authorization, whether verbal, non-verbal, written, or non-written, per 15 U.S.C. 6802, is hereby rescinded. Any previously considered authorization is no longer valid. This rescission takes effect immediately and indefinitely.

8. Request for Action I request that you : Conduct a thorough reinvestigation of the disputed information. 
Correct or delete the inaccurate information from my credit report. 
Provide me with a written statement confirming the correction or deletion of the disputed information. 
Remove the inaccurate information from my credit report immediately. 
Compensate me {$1000.00} for each violation of the aforementioned statutes and regulations. 
9. Supporting Documentation Enclosed are copies of documents supporting my dispute : 10. Conclusion Please acknowledge receipt of this dispute letter and inform me of the results of your reinvestigation within the statutory period. Failure to comply with these legal obligations may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX