Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern at the CFPB AND EXPERIAN.

I am writing to formally dispute the accuracy of certain information contained in my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The information reported must be documented and validated before it is included in my credit report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. The reportability of these allegations does not meet federal or state reporting requirements. You are required to ensure the greatest compliance and accuracy possible. No claims should be reported that you know, or should know, are not in compliance with regulations or the law. 

Below is a summary of the accounts and inquiries I am challenging : Summary of Accounts Being Challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX The data included in my credit report does not comply with the following FCRA statutes and XXXX XXXX reporting standards : 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) Your negligent noncompliance with the FCRA provisions has caused substantial harm to my credit score and financial standing.

15 U.S. Code 1692k ( Civil Liability for Debt Collection Practices ) Your actions constitute a breach of this statute, further compounding the legal violations in your reporting practices.

15 U.S. Code 1681s-2 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) Duty to Provide Accurate Information : Reporting information with actual knowledge of errors.

Duty to Correct and Update Information : Ensuring that all reported information is accurate, complete, and up-to-date. 
Details of XXXX Accounts : XXXX. XXXX XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX Account Status : XXXX Open Balance Owed : XXXX {$87.00} Payment Status : XXXX Late 30 Days Term Length : XXXX XXXX This account has multiple discrepancies, including an incorrect credit limit, inaccurate term length, inaccurate late payments, and unverified payment status. The data was never verified to meet reporting standards. I request that any erroneous, incomplete, or unsupported material be deleted immediately. 

XXXX. XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account Status : XXXX Open Balance Owed : XXXX {$29000.00} Payment Status : XXXX Current Term Length : XXXX XXXX The information provided is inaccurate and does not meet compliance standards. The past due amount late payments, and account details are inconsistent with reporting requirements. This needs to removed expeditiously. 

XXXX. XXXX ( XXXX ) - ( XXXX ) XXXX Account Status : XXXX Paid Balance Owed : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The reported data is inaccurate and incomplete, failing to meet reporting standards. This account must be reviewed and removed immediately. 

Details of Disputed Inquiries : XXXX. XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. Under the FCRA, no one can access my information without my permission. Please provide documentation proving permissible purpose or remove this inquiry. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Please provide documentation proving permissible purpose or remove this inquiry. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry was unauthorized. Provide documentation proving permissible purpose or remove this inquiry. 
Personal Information for Experian : Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Ensure that your records are accurate and up-to-date. Any discrepancies in names or addresses should be corrected immediately to reflect the information provided in this letter. 

Legal Compliance and Next Steps : I am aware that form letters have been sent in response to many disputes, regardless of the specific information provided. This is illegal as each dispute must be addressed individually. My letters were created with my full knowledge and consent. Any delay in processing these disputes will be considered an intentional disregard of my rights under 15 U.S. Code 1681i.

Please provide a written response to my address listed above. Failure to comply will result in legal action. 

Respectfully, XXXX XXXX XXXX XXXX