Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputed inaccurate information reporting on my consumer file with the XXXX credit reporting agencies on XXXX separate occasions. I first reached out to XXXX.! and Experian concerning all of the accounts included in the attachments below and still they are reporting inaccurate information on XX/XX/XXXX. The bureaus investigated and updated the accounts but they were still reporting inaccurately, I reached out concerning the same accounts on XX/XX/XXXX and again, the bureaus updated the accounts but they were still reporting the same inaccurate data. I gave them benefit of the doubt and disputed a third time hoping to get resolution. 
And again they verified and updated the inaccurate accounts.

I also informed the 3 bureaus that the furnishers of the information may be an unreliable source. Its impairing my ability to qualify for equal opportunity employment. 


Name of account Date opened Balance Creditors number Time financing services XX/XX/XXXX {$XXXX} XXXX XXXX XXXX XXXX bank XX/XX/XXXX {$XXXX} XXXX XXXX  XXXX bank XX/XX/XXXX {$XXXX} XXXX This letter serves as formal notice to immediately cease and desist all communication and collection activities and all collection activities related to any alleged debt associated with account provided above. 

I am asserting my right under the Fair Debt Collection Practices Act ( FDCPA ) ,15 U.S.C section 1692 cc and requesting that you cease all communication with me regarding this matter except as allowed by law. 

Case law has affirmed my right to request the cessation of debt collection communications.

In Daugherty v. Convergent Outsourcing , Inc., 836 F3d 507 ( 5th Cir. 2016 ), the court ruled the consumers request to cease contact must be honored to avoid further violation of the FDCPA.

Any communication beyond what is permitted constitutes a breach of my rights under federal law. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX held reporting debt information to credit bureaus after receiving cease and desist letter violates FDCPA. XXXX that reporting debit information to credit bureaus after XXXX receiving cease and desist letter violates FDCPA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX ruled that furnishing info to credit reporting agencies is considered communications under FDCPA. 

Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( other XXXX. XXXX ), reinforces the consumers right to privacy and the obligation of debt XXXX to honor requests for cessation of contract. Ignoring this cease and desist demand will constitute harassment and a violation of the FDCPA. 

The debt is invalid, disputed or paid in full. Confirm compliance with chis cease and desist order in writing within 7 days. 

Failure to comply WILL result in legal action, including filing complaints with regulatory bodies and pursuing damages under the Fair Debt Collection Practices Act.

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