Consumer complaint received 2024-08-06
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. (AR)

XXXX  Account # XXXX I am writing to formally dispute the inaccurate information reported by XXXX  on my credit reports with Experian XXXX XXXX XXXX and XXXX XXXX The discrepancies in the reported data are substantial, and I request an immediate investigation, removal of the account, and compensation for the damages caused by these inaccuracies. Additionally, there has been a breach of privacy due to the unauthorized sale of my personal information to a third party. 

Inaccuracies Identified XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Comments : Experian : Voluntary Surrender. Unpaid Balance Reported As A Loss By The Credit Grantor.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : No date reported XXXX. High Credit : Experian and XXXX : {$25000.00} XXXX : {$17000.00} XXXX. Payment Status : Experian and XXXX : Collection/Chargeoff XXXX : Current Violations and Impact The inconsistencies in the last reported date, comments, date last active, date of last payment, high credit, and payment status across the credit bureaus indicate severe inaccuracies. The discrepancies, particularly regarding the payment status and reporting of charge-off versus current status, are misleading and detrimental to my credit profile. Additionally, the significant variation in high credit limits reported by the bureaus is unjustifiable. 

Privacy Violation There has also been a breach of privacy, as XXXX  appears to have sold my personal information to a third party without my consent. This unauthorized disclosure of sensitive information is a serious violation of my privacy rights and has led to further unauthorized actions and potential harm. 
Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in the reported information violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sharing and sale of my personal information to a third party without my consent constitute a breach of my privacy rights.

Request for Action : 1. Immediate Removal of the Account : Due to the significant inaccuracies and privacy violations, I demand the immediate removal of the XXXX  account from my credit reports with all three major credit bureaus.

2. Compensation for Damages : I seek compensation for the damages caused by the inaccurate reporting and privacy violations, including potential financial losses, emotional distress, and any other negative impacts on my creditworthiness.

3. Detailed Investigation Report : I request a comprehensive investigation into these discrepancies and privacy violations, including a detailed report of the findings and the processes used to verify the information.