Consumer complaint received 2024-10-23
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)

Dear Consumer Financial Protection Bureau : I am writing to formally dispute several inaccurate and unverifiable accounts reported by Experian on my credit report, as allowed under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) and the CARES Act provisions related to credit reporting. These accounts are either reported inaccurately or are unverifiable, and their reporting may also be in violation of the CARES Act, which provides special protections for consumers impacted by the XXXX pandemic. 

Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) and the CARES Act : 1. Section 1681i Failure to Reinvestigate Inaccurate Information As per 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report, and the credit reporting agency ( Experian ) must conduct a reasonable reinvestigation. I request an immediate reinvestigation of these accounts.

2. Section 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. These accounts are inaccurate or unverifiable, and Experian has failed to meet this obligation.

3. Section 1681s-2 ( a ) Duty of Furnishers to Provide Accurate Information Under 15 U.S.C. 1681s-2 ( a ), creditors and furnishers of information are required to report accurate information. Any incorrect reporting of these accounts constitutes a violation of this section, and Experian must act to correct or remove the information.

4. Section 1681s-2 ( b ) Failure to Properly Investigate Disputed Information As per 15 U.S.C. 1681s-2 ( b ), creditors must investigate disputes promptly and correct any inaccurate information. If these accounts can not be verified, they must be removed from my credit report.

5. Section 1681c Obsolete Information Under 15 U.S.C. 1681c, negative items such as collections and charge-offs should not remain on my report for more than seven years. If these accounts contain outdated information, they should be removed immediately.

6. Section 1681g Right to Access My Credit File I assert my right under 15 U.S.C. 1681g to obtain a full and updated copy of my credit report once these errors have been corrected or the accounts removed.

7. CARES Act Protections for COVID-19 Impacted Accounts The CARES Act ( Public Law 116-136 ) amended the FCRA to require creditors to report accounts as " current '' if they were subject to accommodations due to the COVID-19 pandemic, such as forbearance or deferred payments. I believe that these accounts were affected by such accommodations during the pandemic, and therefore, they should have been reported as " current '' during that period, as outlined under Section 4021 of the CARES Act.

If any of the accounts in question were not reported according to the CARES Act provisions, I request that Experian and the creditors correct the status of these accounts immediately to reflect their " current '' standing during the accommodation period.

Desired Resolution : Immediate correction or removal of the accounts listed above if they are found to be inaccurate, incomplete, unverifiable, or in violation of the CARES Act.

A free updated copy of my credit report from Experian after the reinvestigation is completed, as per my rights under 15 U.S.C. 1681i and 1681g.

Assurance that these errors will not negatively impact my creditworthiness moving forward, especially in light of the CARES Act protections.

If these violations are not rectified within the 30-day period provided by law, I am prepared to pursue legal remedies under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent noncompliance. 

Thank you for your prompt attention to this matter. I expect timely confirmation of the investigation and resolution of these disputed accounts.