Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

XX/XX/XXXX Dear CFPB, I am writing to formally request the immediate deletion of an erroneous credit entry reported by XXXX, Experian, and XXXX regarding an account with XXXX XXXX  that I have disputed multiple times with credit agencies as well as complained to the CFPB to no avail. Please note that XXXX and Experian are reporting a duplicate account with XXXX with the same information but a different account number ( screenshots of account attached ) The account details are as follows : - Account Type : Credit Card - Account Number : XXXX XXXX ; XXXX XXXXXXXX  ; Experian XXXX  - Original Creditor : XXXX XXXX - Balance : {$4900.00} - Status : Charged Off The following issues have been identified with this report, each constituting a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws : 1. Privacy Violations : - 15 USC 6801 : It is mandated that financial institutions respect the privacy of customers and protect their nonpublic personal information. This principle has been breached as my information has been shared without my explicit consent. 
- 15 USC 6802 ( b ) ( c ) : Financial institutions are required to inform consumers of their right to opt-out of information sharing. I was never informed about this right. 

2. Unauthorized Furnishing of Information : - 15 USC 1681b : Information can only be shared with the consumers written consent. Neither XXXX, Experian, XXXX, nor XXXX XXXX have my written consent to share this information. 

3. Inaccurate Reporting : - 15 USC 1681s-2 ( A ) ( 1 ) ( A ) : It is illegal to furnish information that is known to be inaccurate. The continued reporting of this charged-off account without proper verification and consent is a clear violation. 
- 15 USC 1681e : Consumer reporting agencies must maintain procedures to ensure maximum possible accuracy. This has not been upheld in my case. 

4. Charge-Off Status as Certificate of Indebtedness : - According to IRS guidelines , a charge-off is considered a certificate of indebtedness and treated as taxable income. This account, reported as a charge-off, should not be reported on my credit report as it is considered income. Reporting this information violates my rights and misrepresents the nature of the debt. 

5. Adverse Information Reporting : - 15 USC 1681c ( a ) ( 5 ) : Adverse items of information can not be reported beyond seven years. The repeated reporting of this account without my consent is unlawful. 

Based on the above violations, I demand the following : 1. Immediate Deletion of the Account : This account must be removed from my credit reports with XXXX, Experian, and XXXX. 
2. Monetary Compensation : Each violation of my consumer rights warrants statutory damages. With nine identified violations, I request compensation of {$1000.00} per violation, totaling {$9000.00}. 

THE MONETARY COMPENSATION PAYMENT OF {$9000.00} CAN BE DIRECTLY DEPOSITED INTO MY PERSONAL CHECKING ACCOUNT AT : ROUTING NUMBER : XXXX ACCOUNT NUMBER XXXX 3. Cease and Desist : XXXX, Experian, XXXX, and XXXX XXXX must cease and desist from further reporting this incorrect information. 

Enclosed are copies of my credit reports, past and present, highlighting the erroneous account details. 

In addition, I am providing the CFPB COMPLAINT NUMBERS that address this account to be referenced and my past dispute letters mailed directly to the agencies. These are also included in the previous complaints : XX/XX/XXXX 1. XXXX 2. XXXX 3. XXXX. XX/XX/XXXX 1. XXXX 2. XXXX 3. XXXX. 

Please confirm receipt of this complaint and provide a resolution within 30 days as required by law. Failure to comply will result in further legal actions to protect my rights and secure appropriate remedies to include but not limited to compensation for further damages and legal fees. Please note that I have requested monetary compensation due to the violations regarding the duplicate account but I am prepared to pursue those as well if necessary. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : - Copies of credit reports ( XXXX, Experian, XXXX ) - CFPB Complaint number - Copies of past letters to credit agencies- My identification documents