Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Removal Pursuant to the FCRA I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, to dispute and request the immediate removal of inaccurate information from my credit report. I allege that the inclusion of certain accounts in my credit file has violated my federally protected consumer rights to privacy and confidentiality.

Pursuant to 15 U.S.C. 1681 ( a ), I am entitled to the privacy of my credit information. Furthermore, as per 15 U.S.C. 1681 ( a ) ( 2 ), a consumer reporting agency may not furnish consumer credit reports without my written instructions, unless otherwise permitted by law.

In light of these statutory provisions, I demand the following : 1. The immediate removal of the inaccurate and unauthorized accounts from my credit report.

2. A copy of the original agreement and terms & conditions related to these accounts, as per my right to know what is in my file ( 15 U.S.C. 1681g ).

3. Compliance with my request to block any further reporting of these transactions to my consumer report within 4 days from the date of receipt of this notice, in accordance with the FCRA 's mandate for prompt investigation of disputed information ( 15 U.S.C. 1681i ).

Failure to comply with these requests may constitute a violation of the FCRA, and I reserve the right to seek legal recourse, including but not limited to, damages as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I expect a prompt and thorough investigation into this matter, and I look forward to your immediate attention to and resolution of these issues. Please confirm receipt of this letter and provide me with the results of your investigation within the legally mandated time frame. 

Sincerely, XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Status : Account charged off. {$2100.00} written off. 
Dispute : This information is inaccurate and was reported without my permission. Please remove this account from my credit report. 

XXXX XXXX ( Account Number : XXXX ) Status : Paid, Closed. 
Dispute : This account has been resolved, and it is no longer relevant. It should be removed from my report. 

XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Status : Collection account. {$720.00} past due. 
Dispute : This account contains errors and should not be on my report. Please remove it immediately. 

XXXX XXXX XXXX ( Account Number : XXXX ) Status : Collection account. {$2200.00} past due. 
Dispute : This information is inaccurate and should not be on my credit report. 

XXXX XXXX XXXX ( Account Number : XXXX ) Status : Creditor can not locate individual. {$440.00} past due. 
Dispute : This information is inaccurate and was reported without my permission. Please remove this account from my credit report. 

XXXX XXXX XXXX ( Account Number : XXXX ) Status : Collection account. {$7300.00} past due. 
Dispute : This information is inaccurate and was reported without my consent. Please remove it from my report. 

XXXX XXXX XXXX ( Account Number : XXXX ) Status : Collection account. {$1700.00} past due. 
Dispute : This information is incorrect and should be removed immediately. 

XXXX XXXX XXXX ( Account Number : XXXX ) Status : Account charged off. {$3700.00} written off. 
Dispute : This account was reported inaccurately and without my permission. Please remove it from my report. 

XXXX XXXX XXXX ( Account Number : XXXX ) Status : Collection account. {$110.00} past due. 
Dispute : This information is incorrect and was reported without my consent. Please remove it immediately.

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