Consumer complaint received 2024-03-03
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. (GA)

Subject : Formal Dispute Regarding Violations of FCRA by XXXX XXXXXXXX XXXX, Account Numbers Ending in XXXX and XXXX To Whom It May Concern, I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the actions of XXXX XXXX XXXX which have resulted in multiple violations of the Fair Credit Reporting Act ( FCRA ). The specific accounts in question are those ending in XXXX and XXXX. Despite repeated attempts to rectify inaccuracies in the reported information, XXXX XXXX XXXX  has failed to comply with the requirements outlined in the FCRA, and their actions warrant investigation and appropriate penalties. 

On XX/XX/2023, I sent two separate letters to XXXX XXXX XXXX  disputing the accuracy of information reported on my credit report pertaining to the aforementioned account numbers. In both letters, I explicitly indicated that the dates of the last activity reported were inaccurate and requested verification and removal of the disputed information. However, in their responses, XXXX XXXX XXXX  claimed that I did not specify the specific information I wished to dispute or verify, despite the clear indication in my letters regarding the inaccuracies in the reported dates of last activity. 

Furthermore, XXXX XXXX XXXX  refused to conduct a reasonable investigation into the matter, as required by the FCRA. Instead, they instructed me to contact the major credit bureaus, effectively shifting the responsibility onto me, the consumer, rather than fulfilling their obligation to investigate and correct inaccurate information. This is a blatant violation of my rights under FCRA 623 ( a ) ( 8 ), which grants me the right to dispute information directly with the furnisher. 

Moreover, XXXX XXXX XXXX  suggested that I could submit their dispute in writing to them, despite the fact that my initial letters served as the dispute. This indicates a deliberate attempt to obfuscate and delay the resolution process. It is evident that XXXX XXXX XXXX  is engaging in unfair and deceptive practices, and their actions constitute willful non-compliance with the FCRA. 

Furthermore, I would like to bring to your attention that while XXXX and XXXX have removed the disputed account from my credit report, Experian has failed to respond to my dispute regarding the same. This further highlights XXXX XXXX XXXX  's non-compliance with FCRA regulations. 

XXXX XXXX XXXX  's violations extend to multiple sections of the FCRA, including but not limited to : - FCRA 623 ( a ) ( 8 ) - Ability to dispute directly with data furnisher - 1681c - Requirements relating to information contained in consumer reports- 1681e - Compliance procedures- 1681i - Procedure in case of disputed accuracy I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX  for their egregious violations of the FCRA. Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX