Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Oklahoma XXXX Date : XX/XX/XXXX My First and Last Name is and Only is XXXX XXXX XXXX My XXXX XXXX Number , Street Name, City, and State is and Only is XXXX XXXX XXXX XXXX  XXXX, Oklahoma XXXX My Date of Birth is and Only is XX/XX/XXXX My current Legally acquired lawful Social Security Number last four is and Only is XXXX I DO NOT HAVE nor desire ANY OTHER ( PII ) Personally Identifiable Information Data, so here now move to EXPUNGE ANY and ALL OTHER PERSONAL IDENTIFIER INFORMATIONthat can be reporting despite my objection Without Right of Law to sustain authority to report any data much less Personal information that is Insufficient of Verifiability, Validity, Timeliness, or Certified Compliance of Reporting there more! The ONLY Personal Identifier Details I GRANT You Authority to Report and or cling to is EXACTLY as I have Submittedabove and in NO manner else wise!

RE : Notice of currently recited injurious claim ( s ) unproven yet to be certainly and physically validated veridical, correct, entire, timely, and certifiably format complaint! These claims are requested to check for requisites and immediately removed from reporting so to ensure lawful complaint reporting of ONLY Credibly Proper Correct Unabridged Timely Validated and Certified Allegations! 

Destination of my Consumer Complaint is EXPERIAN XXXX XXXX XXXX XXXX, Texas XXXX Formal Dispute of Inaccurate Credit Reporting and Multiple Violations under FCRA, FDCPA, FTC, Fraud, and GAAP Account Numbers : Multiple ( See Below ) Dispute of Inaccurate and Derogatory Credit Report Information Account Numbers : XXXX, XXXX, XXXX DOB : XX/XX/XXXX SSN # XXXX Dear EXPERIAN, I am writing to dispute inaccurate and derogatory information currently listed on my credit report. 
Under my rights as afforded by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant statutes, I request that you immediately investigate and correct or delete the errors noted below. 

My Personal Identifier Information, I do not authorize the reporting of any Personally Identifiable Information ( PII ) beyond the details provided below. You must expunge any other PII from your records : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, Oklahoma XXXX Social Security Number XXXX, Any other PII beyond this information is unauthorized and inaccurate and must be immediately removed, as I have not granted permission to report any other personal details. Disputed Accounts XXXX. Account # : XXXX ( Installment Auto Loan ) Account Number XXXX, Account Type| Installment - Auto Loan | | Bureau Code | Individual | Account Status | Derogatory | Monthly Payment | Date Opened | XX/XX/XXXX | Balance | {$8200.00} | High Credit | {$18000.00} | Past Due | {$8200.00} | Payment Status | Collection/Charge off | Last Reported | XX/XX/XXXX | Comments : | Charged off as bad debt ; Unpaid balance reported as a loss by the credit grantor ; Collateral released by creditor, balance owing. | Date Last Active | XX/XX/XXXX Date of Last Payment as XX/XX/XXXX. This account contains inaccurate and inconsistent information, particularly regarding the balance and payment status, as well as conflicting dates of last activity. XXXX shows the account is in Good Standing on the 2yr Payment History, but yet it shows in collections! While EXPERIAN shows Charge Off for 2yrs Continuously Straight. And XXXX doesnt show ANYTHING. I request a thorough investigation and correction or removal of this information. As well as this account being XXXX XXXX XXXX Oklahoma Statue is XXXX! FCRA, FDCPA violations. 

XXXX. Account # : XXXX ( XXXX XXXX XXXX Account ) | Account Number | XXXX | Account Type | Collection | Account Status | Derogatory | Date Opened | XX/XX/XXXX and | Date Last Active | as XX/XX/XXXX | Balance | {$340.00} | Payment Status | Collection/Charge off | Last Reported | XX/XX/XXXX | Comments : Placed for collection. Account shows OPEN. This account, placed for collection, contains erroneous information. Account also shows ( CHARGE OFF ) for 7 months and the rest INCOMPLETE. The dates of last activity and balance do not align with my records. I request a review, and if the information can not be verified, it must be deleted. 

XXXX. Account # : XXXX ( XXXX XXXX XXXX XXXX XXXX ) Account Number | XXXX | Account Type | Collection | Account Status | Derogatory | Date Opened | XX/XX/XXXX | Balance | {$260.00} | Payment Status | Collection/Charge off | Last Reported | XX/XX/XXXX |Comments : I dispute this account information for it has not satisfied debt. I dispute the accuracy of the information related to this account. The dates and balances are inaccurate, and the reporting does not reflect my payment history. If the account can not be verified according to FCRA requirements, it should be removed. Violations of Federal Law : The continued reporting of inaccurate and unverified data violates several sections of the FCRA, FDCPA, and other Federal Laws including but not limited to : 15 U.S.C. 1681e ( b ) : You are required to ensure the maximum possible accuracy of the information in my credit report, which has not been adhered to in these cases. 15 U.S.C. 1681c-2 : You must block or remove any information that is inaccurate or unverifiable. 15 U.S.C. 1681s-2 ( b ) : Furnishers of credit information are required to provide accurate information and must correct or delete unverifiable information.

15 U.S.C. 1681b ( f ) : You have no permissible purpose to report any PII beyond what I have explicitly granted, and any unauthorized information must be expunged. 15 U.S.C. 1681i : I demand a reinvestigation of the accuracy of these accounts, and any unverifiable or inaccurate data must be corrected or deleted. 15 U.S.C. 1692e and 1692f : The reporting of false and misleading information is a violation of the FDCPA. 15 U.S.C. 1681n and 1681o : I reserve the right to seek damages under 15 USC 1681n for willful and negligent noncompliance with FCRA provisions.

Action Requested : I am requesting the following actions to be taken immediately : 1. ReInvestigate and Correct or Remove Inaccurate Information : Conduct an investigation of the aforementioned accounts and correct or delete any errors.

2. Expunge Unauthorized PII : Remove any unauthorized personal information from my credit report and ensure that only the correct information listed above is reported.

3. Provide an Updated Credit Report : Once the investigation is complete, please provide me with an updated credit report reflecting these corrections.

4. Notify All Third Parties : As per 611 ( A ) ( 1 ), you must inform all third parties that received inaccurate information of the changes made to my report.

5. Cease Reporting Unverifiable Information : In accordance with 1681s-2 ( b ), any unverifiable information should be corrected or removed.

Supporting Documentation : Legal Violations The Discrepancies Listed Above represent violations of the following sections of U.S. Code : FCRA Violations : 15 U.S.C. 1681b, 1681e ( b ), 1681s-2 ( a ), 1681s2 ( b ) ,1681n ( civil liability for willful noncompliance ). FDCPA Violation : 15 U.S.C. 1692e ( false representation of debt ). 1692f ( unfair practices ). FTC and Fraud Violations : Related to misrepresentation and inaccurate reporting. GAAP Violations : Inaccurate and incomplete financial reporting.

Compliance with Privacy and Data Security : I invoke my rights under 6801, 6802, and 6803 ( Gramm-Leach-Bliley Act ) to ensure the proper safeguarding of my PII. You are required by law to protect my personal data from unauthorized access, misuse, or improper reporting. I expect your full compliance in securing my personal information.

Conclusion : Please consider this letter a formal notice. Failure to comply will result in the escalation of this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and other appropriate regulatory bodies.

I also reserve the right to pursue all legal remedies under 1681n, 1681o, and other applicable laws. I expect a written response within the 15-day timeframe mandated by the FCRA, detailing the results of your reinvestigation and any corrections made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation