Consumer complaint received 2024-08-04
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. (AR)

XXXX  XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate and inconsistent information reported by XXXX  XXXX XXXX XXXX my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies in the reported data have led to a misrepresentation of my credit profile, and my account was improperly sent to collections without my consent, constituting a breach of privacy. I demand the immediate removal of this account from all credit reports and compensation for the harm caused by these inaccuracies and violations. 

Inaccuracies Identified XXXX XXXX XXXX : Experian : {$0.00} XXXX : {$930.00} XXXX : {$2500.00} XXXX Credit XXXX XXXX Experian : {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$1000.00} XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Payment History : Experian : Was 30 Days Late XXXX XXXX Was 60 Days Late XXXX XXXX  Was 90 Days Late XXXX XXXX Was 120 Days Late XXXX Time Was 150 Days Late XXXX XXXX Was 180 Days Late XXXX XXXX XXXX : Was 30 Days Late XXXX XXXX  Was 90 Days Late XXXX XXXX Was 120 Days Late 3 Times XXXX : No late payments reported Violations and Impact The discrepancies between the credit bureaus in terms of high credit, credit limit, date last active, date of last payment, and payment history are egregious and harmful. The inconsistent reporting of late payments, with Experian and XXXX showing multiple late payments while XXXX reports none, demonstrates severe inaccuracies. Additionally, the fact that my account was sent to collections without proper notification and consent is a serious breach of privacy rights, as it involved the unauthorized solicitation and sharing of my personal information. 

XXXXpplicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
XXXX. Right to Privacy : The unauthorized handling or sharing of my account information, particularly for collections purposes, constitutes a breach of my privacy rights. This involves disclosing sensitive information to third parties without proper consent or authorization.