Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Notice to Agent is Notice to Principle and Notice to Principle is Notice to Agent, I am writing to formally dispute inaccurate and unverifiable information on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The accounts listed below are erroneously reported and reflect outdated information that violates my rights under federal law. Additionally, recent data breaches have increased my concern regarding the accuracy of these reports.

Background Context The recent data breach by XXXX XXXX XXXX has raised significant concerns about the integrity of credit data. This breach highlights systemic issues affecting the authenticity of credit information. Under the FCRA and Fair Debt Collection Practices Act ( FDCPA ), you are required to ensure maximum possible accuracy in reporting. The persistence of inaccurate accounts, especially post-breach, questions the credibility of the information in my credit report. 

Legal Framework - Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable reinvestigation of disputed information. If unverifiable, it must be deleted or corrected. 
- Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S.C. 1692e, reporting false information or failing to report a debt accurately is considered deceptive. 
- XXXX XXXX Laws : ** In *XXXX XXXX XXXX XXXX XXXX XXXX XXXX failure to verify disputed accounts post-breach could lead to penalties for non-compliance. 

Accounts in Dispute XXXX. XXXX XXXX XXXX - **Closed on : ** XX/XX/XXXX2024 - **Reason for Dispute : ** The closure date is inconsistent with my records, suggesting possible tampering or inaccurate reporting. 

XXXX. XXXX XXXX XXXX* - **Closed on : ** XX/XX/XXXXXXXX XXXX XXXX XXXX **Reason for Dispute : ** Inconsistent reporting dates and unsubstantiated derogatory remarks necessitate removal unless verified. 

XXXX. XXXX XXXX XXXX XXXX XXXX **Closed on : ** XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - **Reason for Dispute : ** Duplicate reporting or unverified data due to differing closure dates. 

XXXX. XXXX XXXXXXXX XXXX XXXX **Closed on : ** XX/XX/XXXXXXXX XXXX XXXX XXXX **Reason for Dispute : ** Altered closure dates causing potential inaccuracies. 

XXXX XXXX XXXX XXXX XXXX  - **Closed on : ** XX/XX/XXXXXXXX XXXX XXXX **Reason for Dispute : ** Unauthorized closed status likely due to fraudulent activity. 

XXXX XXXX XXXX XXXX  **Closed on : ** XX/XX/XXXX - **Reason for Dispute : ** Mismatched derogatory remarks and closure dates with my records. 

XXXX. XXXX XXXX XXXX XXXX - **Closed on : ** XX/XX/XXXXXXXX XXXX  **Reason for Dispute : ** Reported without proper validation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX **Closed on : ** XX/XX/XXXX - **Reason for Dispute : ** Inconsistent and unverifiable closure date. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Reason for Dispute : ** Multiple derogatory entries reflecting improper reporting. 

XXXX. XXXX XXXX XXXX - **Closed on : *XXXX XXXX XXXX XXXX XXXX **Reason for Dispute : ** Unverified late payments listed without evidence. 

Additional Legal Demands and Requirements Given the compromised data environment : - Provide full documentation used to validate disputed accounts. 
- Implement enhanced verification processes due to the breach. 
- Remove any unverified entries within the statutory period of 30 days. 

Failure to comply will result in escalation through complaints to the Consumer Financial Protection Bureau ( CFPB ) and potential legal action under 15 U.S.C. 1681n and 1681o. 

Thank you for your prompt attention to these matters. I expect a full response within the legally mandated time frame. 

Sincerely, XXXX XXXX [ XXXX ] without prejudice, all natural inalienable rights reserved.