Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dispute of Violation of Privacy Rights and Reporting Inaccuracy - 15 USC 1681 Section 602 Dear I am writing to dispute the accuracy of information on my credit report and to bring to your attention a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 602. It has come to my attention that your agency has reported information that not only inaccurately reflects my credit history but also violates my rights to privacy as outlined in 15 USC 1681 ( Section 604a Section 2 ). 

The relevant details are as follows : Creditor Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Nature of Inaccuracy : These XXXX late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX should not be reported and reported inaccurately on my credit report. 

Creditor Name : XXXX XXXX Account Number : XXXX Nature of Inaccuracy : These XXXX late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX should not be reported and reported inaccurately on my credit report. 

Creditor Name : XXXX XXXX  Account Number : XXXX Nature of Inaccuracy : These XXXX late payments XX/XX/XXXX, XX/XX/XXXX, should not be reported and reported inaccurately on my credit report. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Inaccuracy : These XXXX late payments XX/XX/XXXX, XX/XX/XXXX, should not be reported and reported inaccurately on my credit report. 

Creditor Name : XXXX XXXXXXXX Account Number : XXXX Nature of Inaccuracy : These XXXX late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX should not be reported and reported inaccurately on my credit report. 
Creditor Name : XXXX XXXX Account Number : XXXX Nature of Inaccuracy : These XXXX late payments XXXX should not be reported and reported inaccurately in my credit report. 

Furthermore, it has come to my attention that the creditor has violated my rights under 15 USC 1681 ( Section 604a Section 2 ), which states that I have the right to privacy. The FCRA clearly outlines that a consumer reporting agency can not furnish an account without my written instructions. Additionally, under 15 USCS 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I kindly request that you conduct a thorough investigation into both the reporting inaccuracies and the violation of my rights under the aforementioned sections of the FCRA. Please provide me with a written explanation of the results of your investigation, including any corrections or deletions made to rectify the inaccuracies. Moreover, I request that you take appropriate action to address the violation of my privacy rights.

If applicable, please forward the corrected information to all entities that received my credit report in the past six months, as required by law.

I appreciate your prompt attention to this matter, and I expect a resolution within the 30-day period mandated by the FCRA. Failure to address these concerns adequately may result in further legal action.

Enclosed with this letter, please find copies of relevant supporting documents, including but not limited to payment records and correspondence with the creditor, to assist in your investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX