Consumer complaint received 2024-08-11
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. (IL)

I filed a complaint on XX/XX/year>, XXXX. and I am writing to formally dispute the account associated with the credit card account ending in XXXX for XXXX XXXX XXXX XXXX in the amount of {$12000.00}, XXXX XXXX XXXX XXXX account number XXXX in the amount of {$11000.00} and XXXX  account number XXXX in the amount of {$920.00} which is fraudulently reporting on my credit report. I have repeatedly notified your company that this account does not belong to me and that it was opened without my knowledge or consent. Despite my numerous attempts to resolve this issue, the fraudulent account continues to appear on my credit report with late payments and as a charge-off, severely damaging my credit score. Violations of My Rights : 1. Fair Credit Reporting Act ( FCRA ) Violations : Under the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate information in my credit report. Your continued reporting of this fraudulent account, despite my numerous disputes, violates my right to have inaccurate or unverifiable information corrected or removed. The FCRA mandates that once a consumer disputes the completeness or accuracy of any item of information, the furnisher ( in this case, XXXX XXXX XXXX XXXX ) must conduct a reasonable investigation. Failure to do so or continuing to report inaccurate information constitutes a direct violation of this federal law. 2. Gramm-Leach-Bliley Act ( GLBA ) Violations : According to the GLBA, particularly 15 U.S.C. 6802, financial institutions are required to protect the privacy of nonpublic personal information and to provide notice before disclosing such information to nonaffiliated third parties. The fact that this account was fraudulently opened under my name suggests a breach of your duty to safeguard my personal information. This failure has resulted in unauthorized access to my sensitive data, further compounding the violation of my rights under the GLBA. 3. Equal Credit Opportunity Act ( ECOA ) Violations : The ECOA, under 15 U.S.C. 1691, explicitly prohibits creditors from discriminating against any applicant who exercises their rights under the Consumer Credit Protection Act. By refusing to remove this fraudulent account and continuing to report it negatively on my credit, despite my rightful disputes, you are effectively discriminating against me for exercising my rights under federal law. This discrimination, in turn, subjects you to penalties and legal consequences under the ECOA. Actions Requested : Given the clear violations of my rights under these federal statutes, I am formally requesting the following actions : 1. Immediate Removal of the Fraudulent Account : I demand that the fraudulent car loan account be removed from my credit report immediately. This includes removing all associated negative marks, such as late payments and the charge-off status. 2. Cease All Collection Activities : I request that you cease any collection activities related to this fraudulent account, as I did not authorize this loan or any related transactions. 3. Investigation and Response : I request a thorough investigation into this matter, including how my personal information was compromised and how this fraudulent account was opened. Please provide a detailed response outlining the steps taken during the investigation and the results. 4. Confirmation of Action Taken : Once the fraudulent account is removed from my credit report, I request that you provide written confirmation of the removal and any other corrective actions taken. Failure to Honor Request and Discrimination : If you fail to honor my request for the removal of this fraudulent account and continue to report inaccurate information on my credit report, it will be a violation of my rights under the FCRA. Additionally, if you discriminate against me in any way for exercising my rights under the FCRA ( 15 U.S.C. 1681 ) or the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ), I will pursue all available legal remedies. According to the ECOA : It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Discrimination for exercising my rights is strictly prohibited under federal law and may result in further legal action. Please consider this letter as my formal notice and request for immediate action under the relevant provisions of the FCRA, GLBA, and ECOA. If this issue is not resolved within 30 days, I will be forced to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possibly pursuing legal action. I appreciate your prompt attention to this urgent matter. Sincerely, XXXX XXXX