Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I am writing to urgently dispute the numerous erroneous and potentially fraudulent accounts reported on my credit report : XXXX ( XXXX ) - ( XXXX ) XXXX, # XXXX ( XXXX XXXX XXXX  ), and # XXXX ( XXXX XXXX XXXX  ). The information associated with these accounts is inaccurate, inconsistent, and in clear violation of the Fair Credit Reporting Act ( FCRA ). I demand that you take immediate action to rectify these egregious errors. 

The dates reported for these accounts, including the dates opened, last active, and last reported, are glaringly inconsistent across the collection accounts and other credit bureaus. This blatant inaccuracy violates FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates furnishers to provide accurate information to credit reporting agencies. Penalties for such violations can reach up to {$1000.00} per instance under FCRA Section 616.

Moreover, your reports falsely claim that payments were made on these accounts, which I have never made, as these debts do not belong to me. This misrepresentation of facts is a direct violation of FCRA Section 623 ( a ) ( 1 ) ( A ), with penalties of up to {$1000.00} per violation under FCRA Section 616.

The reported amounts owed for the same alleged debt also differ between the accounts on my credit report, further demonstrating your failure to provide accurate information to the credit bureaus, as required by FCRA Section 623 ( a ) ( 1 ) ( A ). Penalties for this violation can also reach up to {$1000.00} per instance under FCRA Section 616.

Shockingly, two different collection agencies are reporting the same alleged debt, raising serious concerns of fraudulent activity. This violates both FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 1 ) ( B ), which prohibit furnishers from providing inaccurate information and require them to correct and update any inaccuracies. Penalties for these violations can amount to {$1000.00} per instance under FCRA Section 616.

Furthermore, I suspect that the contract signature associated with these alleged debts was fraudulently obtained, constituting a violation of FCRA Section 623 ( a ) ( 1 ) ( A ) and potentially subject to criminal penalties for fraud.

I demand that you immediately cease reporting these inaccurate and fraudulent accounts to the credit bureaus and remove any associated negative information from my credit reports. You must conduct a thorough investigation into these matters and provide me with evidence supporting your claims, as mandated by FCRA Section 611 ( a ) ( 1 ) ( A ). 

If you fail to comply with these demands within 30 days, I will not hesitate to pursue legal action against your companies, seeking the maximum penalties allowed under the FCRA and any other applicable laws. I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. 

Your prompt attention to this urgent matter is required. The gravity of these violations can not be overstated, and I will not tolerate any further damage to my credit profile due to your negligence and potential fraudulent activities. 

Sincerely, XXXX XXXX XXXX