Consumer complaint received 2024-02-07
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. (FL)

XXXX XXXX XXXX XXXX av XXXX XXXX, Fl XXXX XX/XX/XXXX Experian, XXXX and XXXX, dispute department XXXX XXXX XXXXXXXX, XXXX, TX XXXX. 

Re : Dispute of Account # XXXX XXXX Dear Experian, XXXX and XXXX I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX XXXXXXXX, with the creditor XXXX. 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account. 
1- innacuraci in Account number ; in XXXX is reported as XXXXis diferent that in Experian and XXXX XXXX 2-inaccuracies in acount status : In XXXX is reported as closed diferent that Experian and XXXX is reported as paid 3-inaccuracies in date opened : In XXXX is reported opened XX/XX/XXXX, Experian and XXXX is reported XX/XX/XXXX 4-inaccuracies In number of moths ( terms ) line : XXXX and Experian has reported 24 months, XXXX has XXXX 0 months XXXX payment status : XXXX has reported current Experian has reported Late 30 days XXXX Has XXXX Current XXXX in XXXX reported day : XXXX and Experian has reported XX/XX/XXXX XXXX XX/XX/XXXX 7-inaccuracies in comments : XXXX and XXXX has reported as closed 8-inaccuracies in last day active : XXXX has reportedXXXX Experian and XXXX XX/XX/XXXX 9-innacuarqci in date of last payment, XXXX and Experian XX/XX/XXXX XXXX has reported on XX/XX/XXXX XXXXinaccuracies on the month of reporting 30 days late : XXXX and Experian report 30 days late XXXX XX/XX/XXXX and XXXX has reported in may 2023, 10 diferent inaccuracies between XXXX XXXX XXXX XXXX and Experian, credit report agencies I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report. 

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame. 

Please note that I am making the same dispute with Experian, XXXX, and XXXX, and I expect a thorough investigation from all three credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX