Consumer complaint received 2024-02-21
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. (CA)

Subject : Demand for Immediate Ceasing of Credit Reporting and Account Information Disclosure Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX FCRA states information reporting Has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.

I have a documented paper trail outlining the detrimental effects of these inaccuracies, and I expect your immediate attention to resolve this matter. The gravity of the situation necessitates a transparent and thorough investigation, supported by tangible evidence from your financial institutions records. I am writing to reiterate my request for validation of the reported late payment on my credit report. To ensure the highest level of credibility and accuracy, I specifically demand documented proof from the financial institutions bank statements confirming the alleged lateness. 

I am writing to you with a serious and non-negotiable demand concerning my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). This letter serves as a formal notice and demand for the immediate cessation of all credit reporting and disclosure of my personal and financial information to third parties, in accordance with 15 U.S. Code 1692c, 15 U.S. Code 6802, and 15 U.S. Code 1681s2.

Under 15 U.S. Code 1692c ( c ), I am exercising my right to demand that you cease all communication with me regarding the alleged debts you have been attempting to collect. This includes any communication intended to collect the debt or obtain information about me for such purposes.

Furthermore, pursuant to 15 U.S. Code 6802 ( b ) ( 1 ), I am exercising my right to opt out of any further disclosure of my nonpublic personal information to nonaffiliated third parties. I demand that you provide me with a clear and conspicuous disclosure, as required by law, detailing how my information has been shared, and afford me the opportunity to direct that my personal information not be disclosed further. 

In addition, under the provisions of 15 U.S. Code 1681s2, you are reminded of your obligation to accurately report information to consumer reporting agencies. Given the specific timeframe of 90 days to report delinquent accounts, I demand that any inaccurately reported information or accounts that have been continuously reported in an attempt to sidestep legal obligations be corrected immediately. Failure to comply with these reporting requirements constitutes a violation of the FCRA, and I will not hesitate to take further action to ensure my rights are protected. Additionally, I must bring to your attention a significant and egregious error in my credit report that further illustrates the negligence and unlawful practices of your institution. Despite the account being paid as agreed in XX/XX/XXXX, my credit report erroneously shows that in XX/XX/XXXX, the account status changed to a charge-off. This is completely inaccurate and misleading. Furthermore, this charge-off status has been unlawfully reported continuously for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX, and it unjustly persists into XXXX and XXXX of XXXX. 

This repeated and continuous misreporting is not only a clear violation of my rights but also a direct contravention of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. The impact of this inaccurate reporting on my creditworthiness has been profoundly negative and unjust. Therefore, I demand the immediate deletion of these inaccuracies from my credit report.