Consumer complaint received 2024-02-25
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. (NY)

Demand for Immediate Rectification and Compliance Review under FCRA To the Compliance Department and Legal Counsel, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally notifying you of discrepancies within my credit report that demand an urgent and thorough investigation. The inaccuracies identified not only misrepresent my financial conduct but also infringe upon my rights under the FCRA. I insist on a detailed review and immediate correction of the following entries : XXXX XXXX XXXX Reported collection account with a {$480.00} past due as of XX/XX/year> Discrepancy : Incorrect balance and status. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$310.00} past due as of XX/XX/year> Discrepancy : Unmatched balance and status per my records. 
XXXX  : Marked as Paid, Closed/Never late Error : This account 's presence on my report is unjustified. 
XXXX XXXX XXXX ( XXXX & XXXX Accounts ) : Misreported status and incorrect listing Error : Both accounts were fully settled ; require accurate reflection. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX. : Disputed charge-offs with significant balance and status inaccuracies. 

These items, among others not listed for brevity, are contested for their veracity. Under 15 U.S.C. 1681i, a provision for the correction or deletion of any inaccurate or unverifiable information is mandated. Therefore, I demand : Immediate Investigation : Initiate a comprehensive audit of the disputed entries within the statutory 30-day window.

Documentation : Provide me with the verification of each debt, including the original creditor 's name and address, the amount and date of the original charge, and any relevant transaction history. 
Correction and Deletion : In cases of unverifiability or error, promptly delete or correct the disputed information. 
Compliance Review : Conduct an internal review of your data management and reporting practices to prevent future inaccuracies. 

Failure to comply with these demands within the stipulated timeframe will leave me no choice but to escalate this matter through legal channels, including but not limited to filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and taking civil action to seek redress for damages incurred due to these inaccuracies. 

Please understand the gravity of this request and the necessity for prompt and decisive action. I expect written confirmation of the receipt of this letter, the initiation of your investigation, and regular updates on your progress. 

CC : Consumer Financial Protection Bureau Federal Trade Commission State Attorney General 's Office XXXX XXXX XXXX XXXX XXXX XXXX ( for legal representation ) [ Additional regulatory and oversight bodies as deemed necessary ] Your immediate attention to this matter is not just expected but required under federal law. I trust your cooperation will reflect the urgency and seriousness with which this issue must be addressed. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Detailed log of disputed items, relevant communication records, and legal references supporting the disputes ] IS THIS HIGHLY ADVANCED NAD GUAREENTEED TO WORK