Consumer complaint received 2024-09-19
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. (CA)

I am writing to formally dispute the accuracy of the late payment information reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX on my consumer report. I believe these entries are inaccurate and violate multiple provisions of federal consumer protection laws. 1. Fair Credit Reporting Act ( FCRA ) Violations According to the Fair Credit Reporting Act ( 15 USC 1681 ), credit reporting agencies are required to ensure that the information they report is accurate, fair, and privacy-protective. Under 1681 ( a ) and ( b ), it is clear that consumer reporting agencies must maintain reasonable procedures to avoid violations of consumer privacy and to ensure maximum possible accuracy of the information they report. In my case : The late payments reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX do not reflect my actual payment history and may be a result of inaccuracies that violate the FCRA requirements of accuracy and fairness. 2. Truth in Lending Act ( TILA ) Violations Under the Truth in Lending Act ( 15 USC 1605 ), consumers are entitled to clear and accurate disclosures of credit terms. If the creditors did not provide accurate information regarding my credit obligations or misrepresented the nature of the credit account, they may have violated TILA. In my case : If the creditors failed to adequately inform me of any changes to my payment terms or did not provide proper disclosures, then they would have acted in violation of this act, contributing to the wrongful reporting of late payments. The creditors did not inform me with proper disclosures. 3. Gramm-Leach-Bliley Act Violations According to the Gramm-Leach-Bliley Act ( 15 USC 6801 and 6802 ( a ) ( b ) ( c ) ), financial institutions must protect the privacy of consumer information and ensure its accuracy. Specifically, these provisions require that institutions provide a privacy notice explaining their practices regarding personal data and allow consumers to understand how their information is used. In my case : The information being reported may not have been handled in compliance with this regulation, which mandates both protection and correctness of personal consumer data. 4. Fair Debt Collection Practices Act Violations Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692 ), my rights against misleading representations and abusive practices are protected. If XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX engaged in deceptive practices regarding the reporting of my account status, this would amount to a violation of my rights as a consumer. In my case : If the reporting agencies did not investigate my disputes thoroughly or misrepresented the status of my accounts based on unlawful collection practices, that may contribute to the inaccuracies on my report 5. Identity Theft Concerns Also noteworthy is 18 USC 1028 ( a ), which defines identity theft and related offenses. Should it be determined that my identity or any of my accounts were involved in fraudulent activity resulting in such late payments being reported, I have the right to challenge those entries as per your obligations under the FCRA and other applicable legislation. Request for Investigation Given the inaccuracies presented in my consumer report and the potential violations of several consumer protection laws, I hereby request that you conduct a thorough investigation into these matters. I request a validation of the late payment entries reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you can not validate these late payments, I expect them to be promptly removed from my consumer report in accordance with the guidelines set forth in the aforementioned laws. Please provide me with proper documentation of your findings and actions taken. Thank you for your attention to this urgent matter. I look forward to your prompt response within 30 days as required by law.