Consumer complaint received 2024-10-27
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)

RE : Report # XXXX Follow Up on Dispute of Inaccurate Information on Credit Report To whom it may concern, I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute. This dispute is NOT being submitted by a third party. I am writing to formally dispute certain items on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ), 15 USC 1681i ( 5 ), 15 USC 1681s-2. 
Upon reviewing my credit report, I have identified accounts that contain several inaccuracies that I know, in fact, are inaccurate and materially misleading, but continue to be posted on my consumer report. These accounts do not reflect my actual credit history. The accounts in question are as follows : Negative Accounts XXXX Partial Account # : XXXX. 
Inaccuracies : 30-day late in XXXX of XXXX. Date of Last Activity shows XX/XX/XXXX. These items are inaccurate reporting in according with 15 USC 1681s-2. Experian did not follow reasonable procedures to assure accuracy in accordance with 15 USC 1681e ( b ). Please update the payment history on this account or remove this account from my credit report. 

XXXX XXXX XXXX XXXX Partial Account # : XXXX. 
Inaccuracies : 30-, 60-, and 90-day lates in XXXX - XXXX of XXXX. This is inaccurate reporting in according with 15 USC 1681s-2. Experian did not follow reasonable procedures to assure accuracy in accordance with 15 USC 1681e ( b ). Please update the payment history on this account to Paid as Agreed. 


EXTRA Partial Account # : 4.

Inaccuracies : 30- and 60-day lates in XXXX and XXXX XXXX XXXX This is inaccurate reporting in according with 15 USC 1681s-2. Experian did not follow reasonable procedures to assure accuracy in accordance with 15 USC 1681e ( b ). Please remove this account from my credit report. 

XXXX XXXX  XXXX. Partial Account # : XXXX. 
Inaccuracies : XXXX late in XXXX of XXXX. This is inaccurate reporting in according with 15 USC 1681s-2. Experian did not follow reasonable procedures to assure accuracy in accordance with 15 USC 1681e ( b ). Please update the payment history on this account or remove this account from my credit report. 

XXXX Partial Account # : XXXX. 
Inaccuracies : 60-150 -day lates in XXXX of XXXX, leading to a Collection/Charge-off. This is inaccurate reporting in according with 15 USC 1681s-2. Experian did not follow reasonable procedures to assure accuracy in accordance with 15 USC 1681e ( b ). Please update the payment history to Paid as Agreed on this account or remove this account from my credit report. 

XXXX  Partial Account # : XXXX. 
Inaccuracies : 60- and 90-day lates in XXXX and XXXX of XXXX. This is inaccurate reporting in according with 15 USC 1681s-2. Experian did not follow reasonable procedures to assure accuracy in accordance with 15 USC 1681e ( b ). Please update the payment history on this account or remove this account from my credit report. 

XXXX XXXX Partial Account # : XXXX. 
Inaccuracies : This account is reporting as a collection. I have confirmed that this is NOT my account. This is a fraudulent item. Upon reviewing the original documentation provided by the listed creditor, their records show multiple errors and inaccuracies as evidence that is not my account. It also shows that an account was opened in my ( partial ) name using portions of my personal information with financial information that is not my own, to obtain an account without my knowledge or consent. 

I would like to draw your attention to 18 USC 1028a, which addresses identity theft and its associated penalties. Identity theft is a serious offense under federal law and should be treated as such. The unauthorized acquisition and use of ( inaccurate ) personal information is a criminal act and goes against the principles of privacy and consumer protection. Moreover, 15 USC 1681c-2 requires credit reporting agencies to block information resulting from identity theft, ensuring the accuracy and privacy of consumer credit information. My information was exposed as a result of the XXXX XXXX XXXX during a time in which I experienced Identity theft. I have filed a report with the FTC and have made Experian aware of this incident ; however, you have chosen to maintain this inaccurate information on my consumer credit report as if it is my own without evidence of verification that it is in fact my account. This is inaccurate reporting in accordance with 15 USC 1681s-2. Experian did not follow reasonable procedures to assure accuracy in accordance with 15 USC 1681e ( b ). Please provide the method of verification, including the name, address and direct phone number off the person ( XXXX ) that you interviewed to validate this account or remove this account from my credit report immediately. 

According to the FCRA, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they report. Given the discrepancies in my account, I am requesting that you conduct a thorough reinvestigation into these accounts. If the inaccuracies can not be corrected to reflect accurate information, I expect the account to be removed from my credit report entirely. 
Please note that I expect a response regarding this dispute within XXXX to 45 days, as stipulated by the FCRA. Should my request not be fulfilled within this timeframe, I will consider pursuing legal action to collect damages of {$1000.00} for each inaccuracy on my credit report, as allowed under the law. 
I appreciate your prompt attention to this matter and look forward to your timely response. 
Sincerely, XXXX XXXX XXXX, XXXX