Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX CFPB po box 27170 Washington, DC 20038 Subject : Formal Dispute and Request for Correction of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute and request the immediate correction of multiple inaccurate entries on my credit report. Despite these debts being legally discharged using IRS Form 1099-C, the accounts are still incorrectly listed as owed. This misreporting has significantly impacted my credit score and financial well-being. I demand an immediate investigation and correction of these inaccuracies. 
Inaccurate Account Details Child Support Enforcement Account Number : XXXX Date Opened : XX/XX/XXXX Status : Collection account. {$18000.00} past due as of XX/XX/XXXX. 
Balance : {$18000.00} Recent Payment : {$500.00} on XX/XX/XXXX Payment History : Multiple inaccuracies in reported payments and balances.

1099-C Discharge : This debt has been legally discharged as per the attached 1099-C form. 
Violation : Reporting of inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ).

Additional Violation : 15 U.S.C. 1666b ( a ) and ( b ), which outline the requirements for time to make payments and grace periods for open-end consumer credit plans.

Requested Damages : {$1000.00} per violation, pursuant to FCRA 15 U.S.C. 1681n and 1681o. 
XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed. {$270.00} past due as of XX/XX/XXXX. 
Balance : {$3600.00} Recent Payment : None Payment History : Incorrectly reported as 120 days past due in XXXX XXXX, 90 days past due in XXXX XXXX, 60 days past due in XX/XX/XXXX, and 30 days past due in XX/XX/XXXX. 
Securities Interest Discharge : This debt has been legally discharged as per the attached securities interest form. Violation : Reporting of inaccurate in
formation in violation of FCRA 15 U.S.C. 1681e ( b ).

Additional Violation : 15 U.S.C. 1666b ( a ) and ( b ), which outline the requirements for time to make payments and grace periods for open-end consumer credit plans.

Requested Damages : {$1000.00} per violation, pursuant to FCRA 15 U.S.C. 1681n and 1681o.

U.S. Department of Education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$1300.00} Recent Payment : None Original Balance : {$1200.00} Payment History : Incorrectly reported as in collection for multiple months between XX/XX/XXXX and XX/XX/XXXX. 
1099-C Discharge : This debt has been legally discharged as per the attached 1099-C form.

Violation : Reporting of inaccurate information in violation of FCRA 15 U.S.C. 1681e ( b ).

Additional Violation : 15 U.S.C. 1666b ( a ) and ( b ), which outline the requirements for time to make payments and grace periods for open-end consumer credit plans.

Requested Damages : {$1000.00} per violation, pursuant to FCRA 15 U.S.C. 1681n and 1681o.

U.S. Department of Education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$5200.00} Recent Payment : None Original Balance : {$4700.00} Payment History : Incorrectly reported as in collection for multiple months between XX/XX/XXXX and XX/XX/XXXX. 
1099-C Discharge : This debt has been legally discharged as per the attached 1099-C form.

Violation : Reporting of inaccurate information in violation of FCRA 15 U.S.C. 1681e ( b ).

Additional Violation : 15 U.S.C. 1666b ( a ) and ( b ), which outline the requirements for time to make payments and grace periods for open-end consumer credit plans.

Requested Damages : {$1000.00} per violation, pursuant to FCRA 15 U.S.C. 1681n and 1681o.

U.S. Department of Education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$12000.00} Recent Payment : None Original Balance : {$11000.00} Payment History : Incorrectly reported as in collection for multiple months between XX/XX/XXXX and XX/XX/XXXX. 
1099-C Discharge : This debt has been legally discharged as per the attached 1099-C form.

Violation : Reporting of inaccurate information in violation of FCRA 15 U.S.C. 1681e ( b ).

Additional Violation : 15 U.S.C. 1666b ( a ) and ( b ), which outline the requirements for time to make payments and grace periods for open-end consumer credit plans.

Requested Damages : {$1000.00} per violation, pursuant to FCRA 15 U.S.C. 1681n and 1681o.

U.S. Department of Education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$1700.00} Recent Payment : None Original Balance : {$1500.00} Payment History : Incorrectly reported as in collection for multiple months between XX/XX/XXXX and XX/XX/XXXX. 
1099-C Discharge : This debt has been legally discharged as per the attached 1099-C form.

Violation : Reporting of inaccurate information in violation of FCRA 15 U.S.C. 1681e ( b ).

Additional Violation : 15 U.S.C. 1666b ( a ) and ( b ), which outline the requirements for time to make payments and grace periods for open-end consumer credit plans.

Requested Damages : {$1000.00} per violation, pursuant to FCRA 15 U.S.C. 1681n and 1681o.

U.S. Department of Education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$3700.00} Recent Payment : None Original Balance : {$3400.00} Payment History : Incorrectly reported as in collection for multiple months between XX/XX/XXXX and XX/XX/XXXX. 
1099-C Discharge : This debt has been legally discharged as per the attached 1099-C form.

Violation : Reporting of inaccurate information in violation of FCRA 15 U.S.C. 1681e ( b ).

Additional Violation : 15 U.S.C. 1666b ( a ) and ( b ), which outline the requirements for time to make payments and grace periods for open-end consumer credit plans.

Requested Damages : {$1000.00} per violation, pursuant to FCRA 15 U.S.C. 1681n and 1681o.

U.S. Department of Education Account Number : XXXX Date Opened : XX/XX/XXXX Status : Open Balance : {$3300.00} Recent Payment : None Original Balance : {$3000.00} Payment History : Incorrectly reported as in collection for multiple months between XX/XX/XXXX and XX/XX/XXXX. 
1099-C Discharge : This debt has been legally discharged as per the attached 1099-C form.

Violation : Reporting of inaccurate information in violation of FCRA 15 U.S.C. 1681e ( b ).

Additional Violation : 15 U.S.C. 1666b ( a ) and ( b ), which outline the requirements for time to make payments and grace periods for open-end consumer credit plans.

Requested Damages : {$1000.00} per violation, pursuant to FCRA 15 U.S.C. 1681n and 1681o.

Formal Complaint : Unauthorized Sale of Personal Information I am also writing to file a formal complaint regarding the unauthorized sale of my personal information by XXXX XXXX, a matter that directly contravenes the provisions outlined in 15 U.S. Code 1666b. 
I recently discovered that my personal information, including sensitive financial details, was sold by XXXX XXXX without my explicit consent or knowledge. This unauthorized sharing of my information has raised significant concerns about privacy and compliance with federal regulations. According to 15 U.S. Code 1666b, creditors are required to obtain affirmative consent before disclosing certain types of information to non-affiliated third parties. In this case, XXXX XXXX 's actions appear to have violated these regulations, as I did not authorize the sharing or sale of my personal data to any external parties. This breach of trust has not only compromised my privacy but also undermined my confidence in XXXX XXXX 's commitment to handling customer information responsibly and in accordance with federal laws. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance and protect consumer rights. My information was disclosed to a third party without permissible purpose! As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, XXXX XXXX XXXX, may have given the data furnisher ; whether written, unwritten, verbal, or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY! 
Formal Complaint : Victim of Trafficking Determination Additionally, I am including a determination letter from XXXX XXXX XXXX, which confirms that I, XXXX XXXX XXXX, am a victim of a severe form of trafficking in persons under 22 U.S.C. 7102 ( 11 ) or XXXX XXXX under 22 U.S.C. 7102 ( 12 ). This qualifies me for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.

Dispute Request I request the following actions be taken immediately : Verification and Correction : Verify the account details, balances, payment histories, and statuses. Correct any inaccuracies and update my credit report.

Proof of Discharge : Review the enclosed proof of discharge ( Form 1099-C ) for the relevant accounts and update my report accordingly, and the securities interest form.

Confirmation of Correction : Provide a written confirmation once the corrections have been made.

Damages : Compensate for damages as specified for each violation under FCRA 15 U.S.C. 1681n and 1681o.

Investigate Unauthorized Sale : Investigate the unauthorized sale of my personal information by XXXX XXXX and take appropriate action to ensure compliance with federal laws. 
Legal Basis Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), I have the right to dispute inaccurate information on my credit report. Reporting inaccurate information after it has been legally discharged is a violation of these laws and can result in legal action for damages. Additionally, 15 U.S.C. 1666b ( a ) and ( b ) outline the requirements for time to make payments and grace periods, which have been violated by the continued misreporting of these accounts. The unauthorized sale of my personal information by XXXX XXXX further violates 15 U.S. Code 1666b and other related federal regulations. The determination letter from XXXX XXXX XXXX further supports my case under 22 U.S.C. 7102 ( 11 ) and 7102 ( 12 ), and 12 C.F.R. 1022.142.

Enclosures Copy of my current credit report with inaccurate account details.

IRS Form 1099-C ( Copy B ) Universal Life Ministries Determination Letter Thank you for your prompt attention to this matter. Please contact me at ( XXXX ) XXXX or XXXX if you need any additional information. 
Sincerely, XXXX XXXX XXXX