Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Urgent Request for Investigation and Removal of Inaccurate Information from Credit Reports Dear CFPB Representative, I am writing to formally request your immediate intervention in addressing several violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) by the major credit reporting agencies : Experian, XXXX, and XXXX. Despite numerous disputes, these agencies continue to report open accounts inaccurately, falsely claiming that these accounts have been verified as accurate. 
This situation has caused significant damage to my credit profile, and I have exhausted all direct channels with the credit reporting agencies to resolve these issues. I am now seeking your assistance to ensure that my rights are protected, and that these violations are addressed promptly. 
# # # Fair Credit Reporting Act ( FCRA ) Violations - **15 USC 1681i ( a ) : Reinvestigations of Disputed Information** Requires credit reporting agencies to conduct a reasonable investigation of disputed information and correct or delete inaccurate information.

- **15 USC 1681i ( a ) ( 1 ) ( A ) : Notice of Dispute** Requires that when a dispute is made, the credit reporting agency must notify the creditor or furnisher of the information being disputed.

- **15 USC 1681i ( a ) ( 5 ) ( A ) : Prompt Deletion of Inaccurate Information** Mandates the deletion of inaccurate information from a credit report if the information can not be verified.

- **15 USC 1681i ( a ) ( 8 ) : Expedited Dispute Resolution** Provides that the credit reporting agency must resolve disputes in a timely manner, typically within 30 days.

- **15 USC 1681b : Permissible Purpose of Reports** Limits the circumstances under which a credit report can be accessed, ensuring it is only used for permissible purposes such as credit evaluations.

- **15 USC 1681e ( b ) : Accuracy and Integrity of Information** Requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate and complete.

- **15 USC 1681g : Disclosures to Consumers** Grants consumers the right to request and obtain a copy of their credit report and information about their credit file, including information that is being disputed.

- **15 USC 1681h : Disclosure of Sources of Information** Requires that when a consumer disputes an item, the credit reporting agency must provide the consumer with the sources of the information.

- **15 USC 1681m : Notice of Negative Information** Requires that if negative information is used in a credit decision, the consumer must be notified.

- **15 USC 1681n : Civil Liability for Willful Noncompliance** Allows consumers to seek damages for willful noncompliance with FCRA requirements.

- **15 USC 1681o : Civil Liability for Negligent Noncompliance** Allows for damages in cases of negligent noncompliance with FCRA provisions .

# # # Fair Debt Collection Practices Act ( FDCPA ) Violations - **15 USC 1692d : ** Prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person.

- **15 USC 1692j : ** Prohibits furnishing certain deceptive forms.

- **15 USC 1692g : ** Requires debt collectors to provide validation of debts.

- **Section 807 : ** Prohibits the use of any false, deceptive, or misleading representation.

# # # Truth in Lending Act ( TILA ) Violations - **15 USC 1601 et seq. : TILA Disclosure Requirements** If any inaccuracies or discrepancies in the terms and disclosures of the accounts are found, they must be corrected immediately.

# # # Additional Violations - **18 USC 1028 ( a ) ( 7 ) : ** Addresses issues related to identity theft.

- **15 USC 1681a ( k ) ( B ) ( iv ) ( ll ) : ** Relates to the misuse of personal information.

# # # Request for Expedited Deletion Under FCRA I demand the CFPB ensure these agencies comply with the following : - **15 USC 1681i ( a ) : Reinvestigations of Disputed Information** Upon receiving my dispute, the credit reporting agency must reinvestigate the disputed information. If the investigation reveals inaccuracies, the information must be corrected or deleted from my report.

- **15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) : Prompt Deletion of Inaccurate Information** This section requires that any unverifiable or inaccurate information must be promptly deleted from my credit report.

- **15 USC 1681i ( a ) ( 8 ) : Expedited Dispute Resolution** I request expedited handling of this dispute as provided under the FCRA.

# # # Fair Debt Collection Practices Act ( FDCPA ) Violations - **15 USC 1692g ( b ) : Validation of Debts** I have disputed the validity of the debts in question. Until the debt collector provides proper validation, they must cease all collection activities. Despite my request for validation, no verification has been provided, and thus, these accounts must be removed from my report. 

# # # Specific Information to be Corrected # # # # # Inaccurate Fraudulent Accounts # # # Specific Information to be Corrected # # # Specific Information to be Corrected : # # # # Erroneous Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the Consumer Financial Protection Bureau take immediate action to rectify these violations and ensure that my credit reports are corrected to reflect accurate and verifiable information. The continuous errors and violations have caused significant distress and potential financial harm.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX