Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Subject : Dispute of Unauthorized Account Reporting and Demand for Resolution Experian, XXXX, XXXX XXXX Relations, I am writing to dispute the unquestionable inclusion of unauthorized late payments on my consumer report related to a North Carolina XXXX XXXX Federal Credit Union account. This blatant violation is severely impacting my creditworthiness and constitutes a grave breach of privacy. 

Under the Fair Credit Reporting Act ( FCRA ), a person is explicitly defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ( 15 USC 1681a ). There is no room for interpretation here. Furthermore, 15 USC 1681a ( 2 ) ( A ) ( i ) of the FCRA unequivocally prohibits the reporting of transactions between the reporting entity and the consumer. This is not a potential violation ; it is an unmistakable breach that must be rectified. 

Even in the case of a permissible purpose, the consumer 's consent is mandatory, as dictated by 15 USC 1681a ( 2 ) ( A ) ( i ). I emphatically assert that the late payments are unverifiable due to my explicit lack of consent and the clear violation of the aforementioned legal provision. 

This dispute is also grounded in the following North Carolina laws, which do not allow for ambiguity : XXXX. North Carolina Identity Theft Protection Act ( N.C. Gen. Stat. 75-60 et seq. ) : This law directly addresses identity theft concerns and is unequivocally relevant to the unauthorized reporting of information affecting my credit. 

XXXX. North Carolina Consumer Finance Act ( N.C. Gen. Stat. 53-171 et seq. ) : This statute, without question, regulates consumer lending and provides unambiguous protections regarding the reporting of inaccurate or unauthorized information. 

I am not presenting this as a potential issue, but as a clear violation of both federal and state laws. I demand, unequivocally, that Experian, XXXX, and XXXX rectify this situation within 30 days from the receipt of this complaint by updating the account to " paid as agreed '' with no late payments. Failure to comply within this timeframe will be perceived as willful noncompliance, and Experian, XXXX, and XXXX will undoubtedly be held civilly liable for such a blatant offense. 

These disputes are not speculative ; they are grounded in the following federal and state laws : XXXX. Fair Credit Reporting Act ( FCRA ) : Specifically, the definition of a person under FCRA ( 15 USC 1681a ) and the unequivocal prohibition of reporting transactions without consumer consent, as outlined in 15 USC 1681a ( 2 ) ( A ) ( i ). 

XXXX. 15 USC 1681s-2 : This section explicitly outlines the responsibilities of furnishers of information to consumer reporting agencies and mandates the accuracy of the information provided. 

I demand your immediate and unwavering attention to this matter and expect that you will take the necessary steps to rectify this undeniable violation in accordance with both federal and North Carolina laws. 

Done in good faith.