Consumer complaint received 2024-06-02
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. (WI)

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX S.S.N. # XXXX XX/XX/XXXX XXXX XXXX Risk Solution XXXX XXXX XXXX, XXXX floor XXXX XXXX XXXX XXXX Chapter XXXX Bankrubtcy Reference Number : XXXX Subject : Dispute and Request for Investigation of Erroneous Information on Consumer Report Dear, XXXX XXXX Risk solution I am writing to express my deep concern regarding the accuracy of the information on the consumer report, as provided by your agency. Upon reviewing the recent credit report, I have identified the presence of a Chapter XXXX Bankruptcy entry, as well as XXXX other erroneous accounts that were included in the Chapter XXXX Bankruptcy filing. 
That your company responded with validated, when requested for verification, XX/XX/XXXX. These inaccuracies are both misleading and damaging to my reputation. 
The accounts listed on the credit report were included and XXXX in bankruptcy. I am providing you with a list of those accounts, along with their respective account numbers, and a copy of the bankruptcy application where they were listed. It is imperative that the credit report accurately reflects the discharge of these accounts and shows a XXXX balance. 

List of Accounts Included in Bankruptcy : XXXX XXXX Union : [ Account : XXXX ] Bank XXXX XXXX : [ Account : XXXX ] As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 ( a ) ( 1 ), which emphasizes the importance of fair and accurate consumer reporting in maintaining the integrity of the banking system.

Pursuant to 15 USC 1681b, I am formally requesting in writing the documentation that demonstrates my written instruction or permission for the reporting of this inaccurate information, Bankruptcy Court is the entity who your agency verified furnished this information to your agency, DO NOT REPORT to consumer agencies, So where did your agency get this information? 

It is my belief that the inclusion of this inaccurate information has not only damaged my creditworthiness but has also defamed my character, reputation, standing, capacity, and mode of livingall of which are direct violations of 15 USC 1681.

Furthermore, I assert that the unauthorized reporting of such information constitutes Aggravated Identity Theft, as defined under 18 USC 1028b ( 1 ) ( A ) ( ii ).

I am formally demanding compensation for each violation of my rights as a consumer under 15 USC 1681 ( n ), as follows : Permissible purpose violation : {$XXXX  Defamation of character : {$XXXX} Damaged reputation : {$XXXX} Damaged creditworthiness : {$XXXX} Damaged mode of living : {$XXXX} Infringement on the right to privacy : {$XXXX} I am hereby requesting that you cease and desist the reporting of this inaccurate and deceptive information on my consumer report immediately. Furthermore, I demand the prompt deletion of this account from my consumer report and all your systems. 

Your prompt attention to this matter is essential to rectify the damage caused by the inaccurate reporting. I anticipate a thorough investigation into this dispute and a timely resolution. 
Failure to comply with these requests XXXX result in legal action to enforce my rights under the FCRA. 
INCLOSED DOCUMENTS : I have included letters FROM THE BANKRUPTCY COURTS and also PACER consumer reporting agency. Stating that Neither ( XXXX ) of these agencies, The BANKRUPTCY COURTS nor PACER, DO NOT, report to any consumer reporting agenices. 

MUST BE DELETED LIKE YESTERDAY I insist that you immediately cease and desist the reporting of these erroneous and deceptive information on my consumer report. I am formally requesting the deletion of this account from my consumer report and all systems within your organization. 
Send money order check to address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX Thank you for your prompt attention to this matter. 
Yours Sincerely, XXXX A XXXX Without Recourse UCC XXXX