Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following inaccuracies on my credit report. Please investigate these items and remove/correct them as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX. Incorrect Personal Information Previous Address : XXXX XXXX XXXX XXXX TX XXXX Previous Address : XXXX XXXX XXXX XXXX TX XXXX Previous Address : XXXX XXXX XXXX XXXX TX XXXX Previous Address : XXXX XXXX XXXX XXXX RI XXXX Previous Address : XXXX XXXX XXXX  XXXX TX XXXX Previous Address : XXXX XXXX XXXX XXXX TX XXXX These addresses are not associated with me. Please remove them from my credit report. 

XXXX. Unauthorized Inquiries The following inquiries were not authorized by me. Please remove them from my credit report : XXXX XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. Account Validation and XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please validate this account. Correct or update the inaccurate information if necessary. 

The following accounts are not mine : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Please remove these accounts from my credit report. 

Subject : Formal Dispute of Inaccurate Information and Request for Deletion and Correction under the FCRA To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report in compliance with my rights under the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and violations that must be addressed immediately : XXXX. XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Inaccuracies : Incorrect balance, erroneous late payments, and negative reporting such as repossession status. 

Violations : FCRA Section 623 ( 15 U.S.C. 1681s-2 ), failing to provide accurate information. The balance reflected as past due is in error and not in line with the payment arrangements that were reinstated. 

Demand : Remove the repossession status, delete incorrect late payment remarks, and update the account as Paid as Agreed. 


XXXX. XXXX XXXX XXXX Account Number : [ XXXX ] Inaccuracies : Charge-off and multiple late payments are inaccurately reflected, violating FCRA guidelines XXXX 

Violations : FCRA Section 609 ( 15 U.S.C. 1681g ) for failing to verify the validity of the reported debt after my previous disputes. Additionally, FCRA Section 611 ( 15 U.S.C. 1681i ) as the reporting agency has failed to correct this inaccurate information in a timely manner.

Demand : Immediate deletion of this account from my report, as the inaccurate and unverifiable reporting violates my consumer rights. 


XXXX. XXXX XXXX XXXX  Account Number : [ XXXX ] Inaccuracies : Charge-off status is being reported despite multiple payment attempts to resolve this debt. 

Violations : FCRA Section 611 ( 15 U.S.C. 1681i ), failure to properly investigate and correct this disputed account. 

Demand : Deletion of the charge-off status and removal of the account due to improper verification and reporting procedures. 


Sworn Affidavit : I, XXXX XXXX, swear under penalty of perjury that the aforementioned accounts are reported inaccurately and are in violation of the FCRA. I have made numerous attempts to resolve these inaccuracies with both the creditors and the credit reporting agencies, yet the errors persist. I am now demanding immediate removal and correction of these entries within 15 days of receipt of this letter. 


Cease and Desist Notice : This letter also serves as a formal cease and desist notice. If the inaccuracies are not corrected and removed from my credit report within the stipulated 15 days, I will not hesitate to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating a lawsuit for damages under the FCRA. 


I expect your prompt compliance with this request. Failure to comply within the time frame will leave me with no option but to seek all available legal remedies to protect my rights. 


Please send a written response confirming that these entries have been removed and corrected, or provide documentation proving the validity of these items as reported. 


Sincerely, XXXX XXXX