Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Do to the credit breach, I am writing to dispute the accuracy of the following items on my credit report. Under 15 U.S.C. 1681, part of the Fair Credit Reporting Act ( FCRA ), I am entitled to fair and accurate credit reporting. This statute provides the legal framework that governs the reporting and disputing of credit information, and it is within this context that I am requesting the removal of the following negative items from my report. 
Disputed Items : XXXX Name : XXXX Account Number : XXXX XXXX Name : XXXX XXXX  Account Number : XXXX XXXX. Account name : XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX  Number : XXXX Inquiry : XXXX XXXX Also remove all previous addresses to prevent any fraud. Current addresse is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. 

Legal Basis for Dispute : Under the FCRA, specifically 15 U.S.C. 1681, credit reporting agencies are required to ensure that the information they report is accurate and complete. The following sections are particularly relevant : Section 611 ( a ) ( 1 ) ( A ) of the FCRA requires the credit reporting agency to reinvestigate any disputed item and to forward all relevant information to the data furnisher ( the original creditor or entity reporting the information ). The furnisher must then review the dispute and report back to the credit bureau 15 U.S.C. 1681i : This section outlines the procedure for disputing inaccurate information. I am invoking this section to formally dispute the above items and request that you conduct a thorough investigation. If the disputed information can not be verified, it must be deleted or corrected. 
15 U.S.C. 1681s-2 : This section imposes obligations on furnishers of information to provide accurate data to credit reporting agencies. If the furnisher of the information can not verify its accuracy, they are required to correct or remove it from my credit report.

15 U.S.C. 1681c : This section limits how long certain negative information can remain on a credit report. If any of the disputed items are obsolete based on the statutory time limits, they must be removed. 
Enclosures : I have enclosed copies of documents supporting my dispute, including [ list any documents you are providing, such as payment receipts, correspondence with the creditor, or identity verification documents ]. These documents further validate my request for the removal of the inaccurate information. 
Please consider this letter as my formal request for a reinvestigation of the disputed items. I expect a response within the 30-day period as required by 15 U.S.C. 1681i. If the information can not be verified, I request that the items be promptly deleted from my credit report and that you send me a corrected copy of my report. 
Thank you for your prompt attention to this matter. I look forward to receiving your response and a corrected credit report.