Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : XXXX XXXX. Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute the following information on my credit report. Upon reviewing my credit report on XX/XX/XXXX, I discovered several entries that are inaccurate and incomplete. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the maximum possible accuracy of the information in my report. 
List of Accounts : 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 Violations : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits furnishing inaccurate information to consumer reporting agencies. 
2. 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow procedures to ensure accuracy. 
3. 15 U.S.C. 1681 602 ( a ) : Affirms my right to privacy. 
4. 15 U.S.C. 1681 604 ( a ) ( 2 ) : Prohibits furnishing an account without consumer 's written instructions. 
5. 15 U.S.C. 1681c ( a ) ( 5 ) : Limits adverse information on reports to seven years. 
6. 12 CFR 1006.34 ( c ) : CFPB regulation for debt validation. 
7. Real Estate Settlement Procedures Act ( RESPA ) - 12 USC 2605 : Requires response to disputes within 30 business days. 
8. 20 U.S.C. 1094 ( a ) ( 25 ) : Requires accurate student loan reporting. 
9. Truth in Lending Act ( TILA ) - 15 USC 1601 : Requires clear loan disclosures. 
10. 15 U.S.C. 1681a ( 2 ) ( B ) : Excludes certain adverse information. 
11. 34 CFR 685.215 : Outlines loan discharge processes. 
12. Graham-Leach-Bliley Act - 15 USC 6802 : Requires privacy notices. 
Given these violations, I request the following actions within 30 days : 1. Conduct a thorough investigation of the disputed accounts. 
2. Remove inaccurate information from my credit report. 
3. Provide a written statement detailing the investigation outcome. 
4. Send a corrected credit report copy to the address above. 
Failure to respond satisfactorily may result in legal action, including claims for defamation, negligent enablement of identity fraud, FCRA violations, and CFPB regulations violations. 
Enclosed are copies of my credit report highlighting disputed items and supporting documentation. Please investigate and correct the inaccuracies promptly. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of your progress. 
2. Subject : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX, Experian, or XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX. XXXX ). 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with the following accounts listed below as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Inquiry : Creditor Name Date of Inquiry Credit Bureau EXPERIAN BUSINESS CRED XX/XX/XXXX Experian Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 
15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 3. Subject : Request for Removal of Auto Loan from Credit Report To Whom It May Concern, I recently received a copy of my credit report and noticed that the following account ( s ) have been inaccurately reported on my consumer report. I demand that the below accounts be deleted from my consumer report immediately. 
List of Accounts to be Deleted : Account Account Number Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting of these accounts is in violation of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as follows : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I am writing regarding the above-referenced account ( s ) and transactions. 
Additionally, according to the GrammLeachBliley Act, 15 USC 6802 : ( a ) NOTICE REQUIREMENTS : A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT : ( 1 ) IN GENERAL : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
They did not disclose this information to me as required by federal law. [ XXXX XXXX XXXX ] knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. They also knowingly and willfully withheld information explaining how I, the consumer, can exercise that nondisclosure option. 
You are in violation of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies to which you have furnished this information, as well as from all my consumer reports. 
Should you decide to discriminate against me for future business or products because I exercised my rights under this or any chapter, I will pursue damages and use this correspondence as proof of such decision, as stipulated in 15 USC 1691 a ( 3 ) : ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION : It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex, or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 
4. Subject : Personal Information Update This is my tired time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX