Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

FTC Number : XXXX Dear CFPB, I am writing to formally dispute multiple inaccuracies on my credit report. Attached to this letter are copies of my drivers license and Social Security card for identification purposes. I have also enclosed a cover letter detailing the specific accounts in question and the corresponding violations of the Fair Credit Reporting Act ( FCRA ). The inaccuracies on my credit report have caused significant harm to my creditworthiness and require immediate rectification. 

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Violation of Section 611 Dispute Resolution Process Under 15 U.S.C. 1681i ( a ), credit reporting agencies ( CRAs ) are required to conduct a reasonable investigation upon notification of a dispute. The CRAs in question failed to perform an adequate investigation, as evidenced by the continued presence of inaccurate information on my credit report.

2. Violation of Section 607 Compliance Procedures Per 15 U.S.C. 1681e ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The CRAs involved did not ensure the accuracy of the reported information, leading to the inclusion of erroneous accounts.

3. Violation of Section 623 Responsibilities of Furnishers of Information According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), information furnishers must not provide information that they know, or have reasonable cause to believe, is inaccurate. Several furnishers have reported incorrect information about my accounts, violating this provision.

4. Violation of Section 615 Requirements on Users of Consumer Reports Under 15 U.S.C. 1681m ( a ), users of consumer reports must notify consumers when adverse actions are taken based on information in their credit reports. I did not receive proper notifications from users of my credit report who took adverse actions due to these inaccuracies. 

Detailed Account of Inaccuracies 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} Inaccuracy : The date opened is incorrect. I did not open this account on the specified date, nor do I recognize this account. 
Violation : 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2 ( a ) 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Inaccuracy : This account is incorrectly listed under my name. I have never had an account with XXXX XXXX XXXX. 
Violation : 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2 ( a ) 3. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Inaccuracy : The balance reported is incorrect and does not reflect the actual amount owed, which should be significantly lower or nonexistent. 
Violation : 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2 ( a ) Requested Resolution 1. Immediate removal of the inaccurate accounts from my credit report.

2. A thorough reinvestigation of all disputed information by the involved CRAs and furnishers.

3. Written confirmation of the corrections made to my credit report.

The FCRA mandates accurate and fair credit reporting, and the listed violations demonstrate a significant failure to comply with these federal laws. I urge the CFPB to intervene and ensure that these inaccuracies are promptly corrected. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX