Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : Request for Removal of Debt Due to Payment via Garnishment Violation of FCRA and FDCPA Dear Sir or Madam, I am writing to formally request the removal of a debt from my credit report associated with XXXX XXXX XXXX XXXX XXXX This debt, under account number XXXX, has been fully satisfied via garnishment as of XX/XX/year>. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., this debt is now legally required to be removed from my credit report. Failure to update this information in a timely manner constitutes a violation of these laws.

Applicable Statutory Violations : 1. 15 U.S.C. 1681e ( b ) Ensures maximum possible accuracy of consumer information. By failing to remove this debt after it has been paid in full via garnishment, you are reporting inaccurate information, which is in violation of this section.

2. 15 U.S.C. 1681c ( a ) ( 5 ) This section mandates that any paid or fully settled accounts be removed from a consumers credit report promptly. The debt in question has been fully paid, and therefore any continued reporting is in direct violation of this statute.

3. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires that, upon notice of a dispute regarding the accuracy of information on the credit report, the credit reporting agency must investigate the matter and remove any inaccurate or outdated information within 30 days. This letter serves as my formal notice to dispute the debt listed on my credit report.

4. 15 U.S.C. 1692e ( 8 ) The FDCPA prohibits debt collectors from communicating credit information they know or should know is false, including failing to communicate that a debt is disputed or has been paid. The debt being reported on my credit report is inaccurate since it has been fully satisfied. 

Supporting Documents Attached : A garnishment order issued by the District Court of Maryland for XXXX XXXX, showing payment via garnishment. 
A screenshot of my XXXX Bank checking account showing the deduction of {$7300.00} on XX/XX/year>, as payment towards the garnished debt. 

Remedies Sought : 1. Immediate removal of the debt associated with XXXX XXXX XXXX XXXX from my credit report. 
2. Written confirmation that the debt has been removed, along with an updated copy of my credit report reflecting this change.

3. Compensation of {$1000.00}, per the violation of 15 USC 1681n, to be mailed to me within 10 days of receipt of this complaint.

Non-Compliance Consequences : Failure to comply with this request within the legally prescribed time frame may result in the filing of a formal complaint with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or a civil lawsuit for damages under 15 U.S.C. 1681n for willful non-compliance or 15 U.S.C. 1681o for negligent non-compliance, which include actual damages, attorneys fees, and possible statutory punitive damages.

I look forward to your prompt resolution of this matter. Please confirm the removal of the debt in writing and provide me with a copy of my updated credit report once the correction has been made. You may reach me by mail at the address listed above. 

Sincerely, XXXX XXXX XXXX, XXXX