Consumer complaint received 2024-05-28
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. (FL)

** THIS IS NOT A DUPLICATE ** STOP SUBMITTING THIS AS A DUPLICATE AS A WAY TO AVOID YOUR VIOLATION NOTICE. THIS IS UNLAWFUL. 
YOU ARE BEING PUT ON NOTICE I am writing to formally address a significant and ongoing issue with XXXX XXXX XXXX IN concerning the unauthorized and inaccurate information furnished to my consumer reporting file. Despite prior disputes and the removal of this alleged debt, I am alarmed to find that XXXX XXXX XXXX XXXX has re-added this disputed item to my consumer report. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To provide context, I have previously disputed this alleged debt with XXXX XXXX XXXX XXXX, which resulted in its removal from my consumer report. However, without providing the necessary debt validation and documentation to my mailing address, as required by law, XXXX XXXX XXXX XXXX has unlawfully re-furnished this alleged debt. This violates several statutory provisions aimed at protecting consumers from inaccurate and unverifiable information on their credit reports. Violations Under the Fair Credit Reporting Act ( FCRA ) : Reinvestigation Procedures ( 15 U.S.C. 1681i ) : XXXX XXXX XXXX XXXX has failed to adhere to the reinvestigation procedures mandated by the FCRA. This statute requires consumer reporting agencies to promptly delete or modify any information that can not be verified. By re-furnishing the alleged debt without proper validation, XXXX XXXX XXXX XXXX has demonstrated a disregard for these legal obligations. Accuracy of Consumer Reports ( 15 U.S.C. 1681e ) : Consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The re-furnishing of previously disputed and unverified information by XXXX XXXX XXXX XXXX is a blatant violation of this requirement, undermining the accuracy and integrity of my consumer report. Violations Under the Fair Debt Collection Practices Act ( FDCPA ) : False Representation ( 15 U.S.C. 1692e ) : XXXX XXXX XXXX XXXX actions create a misleading impression regarding the legitimacy of the alleged debt. This false representation violates the FDCPA, which prohibits the use of deceptive means to collect or attempt to collect any debt. Additional Concerns : Failure to Disclose End-User and Purpose ( 15 U.S.C. 1681e ) : The FCRA also requires the disclosure of the identity of the end-user and the purpose for which the report is furnished. XXXX XXXX XXXX XXXX lack of transparency and accountability in this regard further exacerbates the situation. Undermining the Consumer Financial Protection Bureau ( CFPB ) : The CFPB is authorized to establish policies and procedures to ensure compliance with federal consumer financial laws, including the FCRA and FDCPA. By disregarding these regulations, XXXX XXXX XXXX XXXX not only violates federal statutes but also undermines the integrity of the consumer reporting system and the authority of the CFPB. In light of these violations, I demand the immediate removal of this alleged debt from my consumer report and a cease and desist on all further collection attempts related to this debt. Additionally, I request that XXXX XXXX XXXX XXXX provide written confirmation of the actions taken to rectify this matter within 30 days of receiving this letter. Failure to comply with these demands will result in further legal action to enforce my rights under federal law. I trust that XXXX XXXX XXXX XXXX will take this matter seriously and act promptly to resolve this issue.