Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Re : Dispute of Inaccurate Information on Credit Report - First XXXX Bank Account Number : XXXX - XXXX XXXX XXXX XXXX Account XXXX : XXXX - Bankruptcy Reference Number : XXXX ( XXXX XXXX XXXX XXXX  XXXX LA ) Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my credit report. of which I initially disputed with each bureaus on XX/XX/XXXX. Results from XXXX and Experian dated XX/XX/XXXX, XXXX dated XX/XX/XXXX stated this information was verified of which the courts stated they DID NOT validate this information. The items in question are the XXXX late payments reported for my XXXX XXXX XXXX account and XXXX XXXX XXXX XXXX account XXXX of which I disputed with XXXX XXXX XXXX XXXX, and Experian on as well as a bankruptcy record that was not authorized to be included in my report. 

Late Payments Dispute I am disputing the XXXX late payments reported for : - XXXX XXXX XXXX  Account Number : XXXX - XXXX XXXX XXXX XXXX Account XXXX : XXXX Under 15 U.S. Code 1666b and 15 U.S. Code 1637a ( a ), I request a thorough investigation and immediate removal of these inaccuracies. The reported late payments are erroneous and have negatively impacted my credit score. I also reference 15 U.S. Code 1681a and 15 U.S. Code 1681-2, which outline the obligations of furnishers of information to ensure the accuracy and integrity of the information provided to credit reporting agencies. 

Bankruptcy Dispute Furthermore, I dispute the inclusion of a bankruptcy record ( Reference Number : XXXX ) from the XXXX Bankruptcy XXXX, XXXX XXXX XXXX California XXXX XXXX XXXX XXXX ). I have attached a letter from the court dated XX/XX/XXXX, which states that the court does not report any bankruptcies to credit bureaus. 

According to 15 U.S. Code 1681, specifically Section 603 ( 3 ) ( E ) and Section 602 ( a ), I have the right to privacy and accurate reporting. The inclusion of this bankruptcy was not verified through a fair investigation process, as required by the Fair Credit Reporting Act ( FCRA ). The court has explicitly stated that it does not verify bankruptcy information with the credit bureaus, raising serious concerns about the validity of the investigation process conducted by the credit bureaus.

Legal Violations The following legal points support my dispute : - 15 U.S. Code 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
- 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

- FCRA Section 605B : Relates to the accuracy and completeness of information.

The credit bureaus have violated my rights under the FCRA by reporting inaccurate and unverified information. I request an immediate investigation and the removal of these inaccuracies from my credit report.

Conclusion I trust that the CFPB and the credit bureaus will address these issues promptly. The inaccuracies on my credit report have caused me significant distress and have impacted my financial stability. I request that these items be removed and that I be provided with a revised copy of my credit report once the corrections have been made. 

I look forward to your prompt response and resolution of these matters. 

Sincerely, XXXX XXXX XXXX.