Consumer complaint received 2024-07-10
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. (GA)

I am REWRITING to formally refile a complaint regarding serious inaccuracies present in my EXPERIAN credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported accounts were not adequately verified, and the inaccurate information persists. Background : I discovered discrepancies in my EXPERIAN credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the accounts in question were not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant accounts are verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge EXPERIAN to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. 

You have violated so acts and laws as mentioned below : Gramm-Leach-Bliley Act ( GLBA ) - Privacy Rule have been identified : 1.Disclosure of Account Numbers The report lists specific account numbers, which might be a violation if these were disclosed without proper consent or for marketing purposes.

2.Unauthorized Access and Sharing The detailed account information, including the status of the accounts ( e.g., closed, paid, derogatory ), balances, payment status, and high credit limits, is shared extensively. This level of detail should not be shared without the appropriate safeguards and authorizations.

3.Inadequate Protection of Personal Information such as the date opened, balance, high credit, credit limit, past due amounts, payment status, and comments related to disputes and charge-offs could be sensitive if not properly protected and disclosed. Sharing this information without proper consent and security measures may violate GLBA requirements for safeguarding personal data.

4.Improper Handling of Dispute Resolutions The document contains notes about consumer disputes and resolutions, indicating that there might have been improper handling or disclosure of dispute-related information. This includes phrases like " Consumer disputes after resolution '' and " Dispute resolved ; customer disagrees.

5.Excessive Disclosure of Negative Information Detailed negative information such as charge-offs, derogatory statuses, and collection actions are disclosed, which could be considered excessive and not in line with the privacy expectations under GLBA.

Metro II compliance policies, I reviewed the document for relevant sections and noted the following issues : 1.Account Status Reporting Inconsistencies : Accounts are reported as both " Collection/Chargeoff '' and " Current '' without consistent updates or rectifications. Examples include accounts from " XXXX '' and " XXXX XXXX XXXX '' showing " Collection/Chargeoff '' statuses despite ongoing disputes and unresolved balances. 
2.Date of Last Payment and Date Last Active Mismatches : Several accounts have discrepancies between the " Date of Last Payment '' and " Date Last Active. '' For example, an account reported by " XXXX '' shows no last payment date but is listed as active as of XXXX XXXX 
3.Balance and Credit Limit Reporting Errors : Accounts like those from " XXXX XXXX XXXX  '' show inconsistent balance reporting, with XXXX credit limits yet showing significant balances, which can affect the accurate calculation of credit utilization.. 
4.Dispute Handling and Reporting Issues : Multiple accounts indicate disputes without clear resolutions or appropriate updates, such as the " Customer disputed account '' and " Consumer disputes this account information '' comments on " XXXX XXXX XXXX XXXX accounts. These disputes should have updated statuses following Metro II guidelines for dispute resolution. 

I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.