Consumer complaint received 2024-05-28 00:00:00
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.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Subject : Dispute of Inaccurate Information in Credit Report Dear Sir/Madam, I am writing to formally dispute multiple items on my credit reports from Experian, XXXX XXXX and XXXX XXXX Upon thorough review, I have identified several inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) and other relevant U.SXXXX codes. Below, I outline the specific violations and request immediate correction or deletion of these items from my credit reports. 
Violations and Relevant U.S. Codes : 1. Accuracy and Fairness ( 15 U.S. Code 1681a ) Violation : My credit report contains inaccurate and unverifiable information.

Required Action : Remove all inaccurate and unverifiable items.

2. Permissible Purposes of Consumer Reports ( 15 U.S. Code 1681b ) Violation : Certain information was added without my written consent.

Required Action : Remove any information that was added without my explicit written consent. Provide any documentation with my EXPLICIT written consent 3. Requirements Relating to Information Contained in Consumer Reports ( 15 U.S. Code 1681c ) Violation : Inclusion of adverse information older than seven years.

Required Action : Remove outdated negative information.

4. Identity Theft Protections ( 15 U.S. Code 1681c2 ) Violation : Failure to block information resulting from alleged identity theft upon my request.

Required Action : Block any disputed items that result from identity theft, given appropriate documentation.

5. Compliance Procedures ( 15 U.S. Code 1681e ) Violation : Failure to follow reasonable procedures to assure maximum possible accuracy.

Required Action : Reinvestigate and correct all inaccuracies.

6. Civil Liability for Willful Noncompliance ( 15 U.S. Code 1681n ) Violation : Repeated failure to comply with FCRA requirements, resulting in damages.

Required Action : Immediate correction of all violations and potential damages assessed.

7. Responsibilities of Furnishers of Information ( 15 U.S. Code 1681s2 ) Violation : Reporting inaccurate information with actual knowledge of errors.

Required Action : Immediate correction or deletion of disputed information.

8. Privacy Act of 1974 ( 5 U.S. Code 552a ) Violation : Disclosure of personal records without my prior written consent.

Required Action : Cease and desist unauthorized sharing of my personal information. 
Items in Dispute : XXXX. XXXX XXXX XXXX ( Experian ) Account Number : XXXX Violation : Reporting of collection account without permissible purpose. 
Required Action : Remove this item from my credit report immediately. 
XXXX. XXXX XXXX  ( Experian ) Account Number : XXXX Violation : Reporting inaccurate balance and status. 
Required Action : Correct the balance and status or remove the item entirely. 
XXXX XXXX XXXX XXXX ( XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of balance and status. 
Required Action : Correct the balance and status or remove the item. 
XXXX. XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Violation : Incorrect reporting of collection status. 
Required Action : Update status or delete the item. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Violation : Inaccurate reporting of balance. 
Required Action : Correct the balance or remove the item. 
XXXX. XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Violation : Incorrect status and balance reporting. 
Required Action : Correct the status and balance or remove the item. 
Supporting Documentation : Copies of my credit reports from Experian, XXXX, and XXXX with the disputed items highlighted. 
Any additional documents supporting my dispute, including identity theft report where applicable. 
I request that you investigate these matters promptly and correct or delete the disputed items from my credit reports. According to the FCRA, you are required to complete your investigation within 30 days. Please provide me with a written statement detailing the outcome of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, 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