Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
To Whom it may concern, I am writing to formally request the deletion of inaccurate and erroneous information regarding accounts currently listed in my credit report. I have identified several discrepancies and inaccuracies in my report that violated my rights under the Fair Credit Reporting Act ( FCRA ).

As per my rights under the FCRA, Section 611 ( 15 U.S.C 1681i ), I am disputing these accounts.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX serv Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Account name : Not Listed Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Account name : Not Listed Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : The XXXX Account name : XXXX XXXX XXXX Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Account name : XXXX XXXX XXXX Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

Account name : XXXX/DEPT OF ED Account number : XXXX Investigate the completeness and accuracy of every piece of information. If its not accurate, please remove it from my credit report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16811s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S Code 6802 ( 1 ) ( A ) ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non-disclosure option.

I request written confirmation of the deletion once the inaccuracies have been addressed. This letter also serves as a formal notification that I am exercising my rights to ensure that only accurate and verifiable information is reported on my credit file. 

Thank you for your prompt attention to this matter. I look forward to your swift response within the XXXX period as mandated by the FCRA.

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