Consumer complaint received 2024-08-06
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. (AR)

I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian and XXXX XXXX This account has been sold without my consent, constituting a breach of privacy. Additionally, the reporting on this account contains numerous inaccuracies. I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Issues Identified XXXX. Unauthorized Sale of Account : The XXXX XXXX XXXX account was sold to collections without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
XXXX. Inaccurate Reporting : High Credit : Experian : {$0.00} XXXX : {$280.00} XXXX XXXX : Experian : {$900.00} XXXX : {$0.00} Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : Experian : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). Was 150 Days Late XXXX Time ( XXXX ). 
XXXX : Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). Was 120 Days Late XXXX Time ( XXXX ). 
The inconsistencies in reporting, particularly regarding payment status, high credit, credit limit, and account activity, are misleading and damaging. 

Violations and Impact The discrepancies in the reported information and the unauthorized sale of the account to collections without my consent violate my rights under the FCRA and privacy laws. The incorrect information regarding the payment status, especially the inconsistencies between Experian and XXXX, suggests a failure to accurately report my account status. These actions have caused undue stress, potential damage to my creditworthiness, and an invasion of my privacy.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.