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)

am writing to formally dispute the inaccurate information reported by XXXXXXXX XXXX XXXX on my credit reports with Experian, XXXX, and XXXX. The discrepancies in the reported data are significant and have resulted in a misrepresentation of my credit profile. Additionally, there are concerns regarding a breach of privacy, as my personal data appears to have been mishandled or improperly shared. I demand the immediate removal of this account from all credit reports, compensation for the harm caused by these inaccuracies and violations, and a detailed investigation into these issues. 

Inaccuracies Identified XXXX. High Credit Limit : Experian : {$0.00} XXXX : {$2900.00} XXXX : {$2900.00} XXXX XXXX  XXXX XXXX Experian : {$3000.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXXXXXX XXXX XXXX XXXX Experian : {$0.00} XXXX : {$2900.00} XXXX : {$3000.00} XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX 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 XXXX : Was 30 Days Late XXXX XXXX Was 60 Days Late XXXX Time Was 90 Days Late XXXX XXXX Was 120 Days Late 2 Times XXXX : No late payments reported Violations and Impact The discrepancies in the high credit limit, credit limit, date last active, date of last payment, and payment history across the credit bureaus are egregious and have caused harm to my credit profile. The inconsistency in reporting late payments, with Experian and XXXX showing extensive late payments while XXXX shows none, highlights the severity of the inaccuracies. Additionally, the mishandling or unauthorized sharing of my personal data, potentially for collections or other purposes, is a serious violation of my privacy rights.

Applicable 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.

6. Right to Privacy : The unauthorized handling or sharing of my account information, especially if used for collections or similar purposes without proper notification, constitutes a breach of my privacy rights.