Consumer complaint received 2024-12-27 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:
Dear CFPB, I am filing this formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies and debt buyers. These violations include inaccurate reporting of charge-offs, unauthorized inquiries, incorrect personal information ADDRESS NAMES, and errors that continue to harm my credit profile. Despite my efforts to resolve these matters directly, the violations remain unaddressed. I seek your intervention to enforce the law and hold the responsible parties accountable. 
MY NAME XXXX : XXXX BENEFICIARY XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX I HAVE ATTACHED PROOF OF ME LIVING AT SAME ADDRESS FROM XXXX I JUST MOVED TO XXXX XXXX CA ADRESS HAS BEEN GOING TO BUISNESS AN NOT APARTMENT Re : Violations of Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) I recently got a copy of my consumer file and noticed that there was inaccurate information. According to the FCRA you must be reporting 100 % correct information at all times and that is not what my credit file reflects at this time. You have 30 days to remove the personal information listed in this letter. I am also requesting you to provide me with the furnisher of this information or where you got this information from. Please PERMANENTLY REMOVE the following. 
This letter serves as a demand for immediate corrective actions, including the removal of inaccurate information from my credit report and the imposition of appropriate fines and penalties for your non-compliance.the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. I demand immediate corrective actions, including the removal of inaccurate information, imposition of fines, and enforcement of compliance with relevant laws You are referring to a portion of 15 U.S. Code 1681c ( a ), which outlines restrictions on the inclusion of certain types of information in consumer reports. Here 's a rewritten version of the relevant clause with clarity on what consumer reporting agencies can not include : Consumer reporting agencies are prohibited from including in a consumer report any adverse items of information ( other than records of convictions of crimes ) that are older than 7 years. This includes adverse financial data such as : Accounts sent to collections.

Charged-off accounts.

Any other negative financial information.

However, records of convictions of crimes are an exception to this rule and may be reported beyond the 7-year limitation.

This provision ensures that outdated and irrelevant negative information ( except criminal convictions ) does not unfairly impact a consumer 's creditworthiness or access to opportunities. 
INCORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX Former XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Current XX/XX/XXXX 15 U.S. Code 1681s-2 ( a ) ( 1 ) pertains to the responsibilities of entities that furnish information to consumer reporting agencies, ensuring accuracy in the information they provide. Here 's a clear summary : 15 U.S. Code 1681s-2 ( a ) ( 1 ) - Duty of Furnishers to Provide Accurate Information Prohibition on Reporting Inaccurate Information : A furnisher ( such as a creditor or lender ) can not knowingly furnish information to a consumer reporting agency if : The information is inaccurate.

The furnisher has reason to believe the information is inaccurate.

Obligation to Update and Correct Information : If the furnisher discovers that previously provided information is inaccurate or incomplete, they must : Promptly correct or update the information.

Notify all consumer reporting agencies to which the inaccurate information was furnished. 
INCORRECT NAMES XXXX XXXX  Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX INCORRECT ADDRESS I DONOT LIVE HERE XXXX XXXX XXXX XXXX, XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXXLA, XXXX ID # XXXX XXXX XXXX XXXX ID # XXXX family XXXX XXXX XXXX XXXXCA, XXXX ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX LA, XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ID # XXXX Single family XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX CA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX AL XXXX XXXX Address ID # XXXX INCORRECT PHONE NUMBER Phone Numbers ( XXXX XXXX XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX This section ensures that entities providing data to credit bureaus uphold accuracy and transparency, reducing the risk of harm to consumers due to incorrect information on their credit reports. Would you like further details or help crafting a notice or dispute related to this? 
Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), it is explicitly prohibited for any person to furnish information to a consumer reporting agency if : The information relates to a transaction or experience ( e.g., payment history ) that the person knows or has reasonable cause to believe involves an illegal activity.

This includes any dealings or transactions, such as reporting payment history or account activities, that are associated with unlawful conduct. Reporting such information is considered a violation of federal law and undermines the integrity of consumer reporting.

Let me know if you need help drafting this into a formal letter or document!

Under 15 U.S. Code 1681b ( f ), the illegal reporting of inquiries refers to the prohibition of accessing or furnishing consumer reports for impermissible purposes. Here 's how this applies : Illegal Reporting of Inquiries : A consumer reporting agency or any person shall not obtain or use a consumer report unless : The report is requested for a permissible purpose as outlined in 15 U.S. Code 1681b ( a ) ( e.g., credit applications, employment, insurance underwriting ).

The requester has a legitimate business need for the information, authorized by the consumer or required by law.

If an inquiry appears on a consumer 's credit report without a valid permissible purpose or the consumer 's authorization, this constitutes illegal reporting of inquiries. Such unauthorized inquiries can harm a consumer 's credit score or appear as misuse of their personal information.

Would you like help drafting a dispute letter to address unauthorized inquiries or further explanation of permissible purposes? 



Companies IN VIOLATIONS I HAVE NO CONTRACTS WITH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX. Unauthorized Hard and Soft Inquiries Violations of 15 U.S. Code 1681b Credit reporting agencies have allowed unauthorized hard and soft inquiries to appear on my credit report. Under 15 U.S. Code 1681b ( 604 ) ( a ), a consumer report may only be furnished for permissible purposes, such as when there is a direct contractual relationship or when the consumer has provided explicit written consent. In my case, I did not authorize these inquiries. The continued presence of these inquiries violates the FCRA, and they must be deleted immediately. 

HARD INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX SOFT INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX ) ID Report XX/XX/XXXX XXXX XXXX, XXXX XXXX to XXXX Report XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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Violations of 15 U.S. Code 1681b Permissible

Purposes of Consumer Reports The credit reporting agencies have violated 15 U.S. Code 1681b ( 604 ) ( a ) by furnishing my consumer report to third-party debt buyers who do not have a valid contract with me. I have not authorized these parties to access or report on my credit file, yet their erroneous entries, including charge-offs and other derogatory marks, continue to appear on my report.

2. Violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of Furnishers of Information Creditors and debt collectors, who have no valid contractual relationship with me, have continued to report charge-off accounts that have been sold to third parties. These furnishers are violating 15 U.S. Code 1681s-2 ( a ) ( 1 ) by reporting inaccurate and outdated information, which misrepresents the status of the debts. Once an account has been sold, the original creditor no longer has the legal standing to report it as active.

THIRD PARTY I HAVE NO CONTRACTS WITH Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX, Balance Date XX/XX/XXXX Original Creditor Name XXXXXXXX XXXX  XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number xxxxxx XXXX Original Amount Owed {$1900.00} Creditor Classification Educational Amount {$1900.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX Account Designator Code XXXX Date Assigned XX/XX/XXXX Account Number XXXX XXXX Original Amount Owed {$2300.00} Creditor Classification XXXX XXXX XXXX Care Amount {$2500.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Consumer disputes this account information Medical Contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX. Reporting Charge-Offs which is Income Violations of 15 U.S. Code 1681c Creditors have unlawfully reported charge-off amounts as income, which is explicitly prohibited under 15 U.S. Code 1681c. This practice is not only misleading but also illegal, as it distorts the accuracy of my financial records. Such actions are further compounded by the failure to update the information to reflect that the debts have been sold, which results in a violation of 15 U.S. Code 1666.

CHARGER OFFS REAGING ON CREDIT REPORT AS CURRENT Date of Last Activity Scheduled Payment Amount Months Reviewed XXXX Delinquency First ReportedActivity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount $ XXXX Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Charged off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Deferred Payment Start Date Charge Off Amount {$15000.00} Balloon Payment Date Balloon Payment Amount Loan Type Auto Date Closed Date of First Delinquency XX/XX/XXXX Comments Account previously in dispute now resolved by data furnisher Charged off account Auto Contact XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX. No Valid Contract with Debt Buyers Violations of 15 U.S. Code 1681b Under 15 U.S. Code 1681b, consumer reporting agencies and creditors may only report information backed by a valid contract with the consumer. Debt buyers reporting my accounts have no such legal standing, as I never entered into any agreement with these third-party collectors. Therefore, their continued reporting is a violation of the FCRA and a clear breach of federal law.

5. Violations of 15 U.S. Code 1681e ( b ) Ensuring Accuracy in Reporting Credit reporting agencies are required to follow reasonable procedures to ensure the maximum accuracy of the information they report under 15 U.S. Code 1681e ( b ). However, the continued inclusion of inaccurate charge-off accounts, misreported debts, and outdated information on my credit report demonstrates their failure to comply with this legal obligation.

6. Adverse Information Reporting Violations of 15 U.S. Code 1681a ( 5 ) The reporting of adverse information, including sold charge-offs, violates 15 U.S. Code 1681a ( 5 ). Adverse information can not be reported without ensuring it reflects the accurate status of the account. The failure to update my report with correct information constitutes a blatant violation of the FCRA.

7. Violations of 15 U.S. Code 1692b ( 5 ), 1692d ( 2 ), and 1692c ( a ) FDCPA Violations The debt collectors in question have also violated the Fair Debt Collection.

3. Sold Charge-Offs Reported by Original Creditors Violations

of 15 U.S. Code 1681s-2 ( a ) ( 1 ) Creditors are prohibited from reporting debts they no longer own under 15 U.S. Code 1681s-2 ( a ) ( 1 ). However, several sold charge-off accounts are still being reported as though they are owned by the original creditor. This misrepresentation misleads credit reporting agencies and potential lenders, violating both the FCRA and my consumer rights. These accounts should be immediately removed, and the creditors should face fines for this violation.

4. No Valid Contract with Debt Buyers Violations of 15 U.S. Code 1681b Debt buyers who now own the accounts are also illegally reporting these debts on my credit report, despite there being no valid contract between us. As per 15 U.S. Code 1681b, information can only be reported if there is a valid contract between the consumer and the entity furnishing the information. The debt buyers ' reporting is both unlawful and harmful, and all such entries must be deleted from my credit report.

5. Inaccuracies in Reporting Adverse Information Violations of 15 U.S. Code 1681a ( 5 ) Under 15 U.S. Code 1681a ( 5 ), adverse informationsuch as charge-offsmust be reported accurately. However, charge-offs and other negative information on my report do not accurately reflect the current status of the accounts, as they have either been sold or were reported with incorrect details. This failure to update or correct adverse information violates the FCRA, and all such entries must be removed. 
6. Incorrect Personal Information : Names and Addresses Additionally, my credit report contains inaccurate personal information, including incorrect names and addresses. Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to take reasonable steps to ensure maximum possible accuracy in the consumer reports they furnish. The presence of incorrect names and addresses, which I have never used, is a violation of this provision. These errors not only damage my credit profile but also compromise the accuracy and integrity of my credit report. I request that these incorrect personal details be corrected immediately.

7. Violations of 15 U.S. Code 1692b ( 5 ), 1692d ( 2 ), and 1692c ( a ) FDCPA Violations The debt collectors involved have also violated the Fair Debt Collection Practices Act ( FDCPA ), including : 15 U.S. Code 1692b ( 5 ) : Misrepresentation and unauthorized communication regarding my debts.

15 U.S. Code 1692d ( 2 ) : Harassment through the improper reporting of debts that have already been sold.

15 U.S. Code 1692b ( 5 ) : Misrepresentation of the nature of the debt through inaccurate reporting.

15 U.S. Code 1692c ( a ) : Contacting third parties, including credit reporting agencies, without proper authorization or legal basis, leading to illegal reporting on my credit report.

15 U.S. Code 1692c ( a ) : Continued communication and reporting without proper legal authorization.Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), and related laws, the following rules apply to the sale, reporting, and handling of charged-off debts by original creditors : Sale of Debt and Reporting Obligations : Original creditors are prohibited from furnishing information to a consumer reporting agency if : They know or have reasonable cause to believe the information is inaccurate.

They fail to update the account status as " sold '' or " transferred '' after selling the debt.

Charged-off debts must be reported accurately : The account must be marked as " charged-off. '' If sold to a third party, the original creditor must stop reporting the debt as active or due.

Both the original creditor and the debt buyer can not double-report the same debt.

Violations in Selling and Reselling Debt : Double Reporting : It is unlawful for both the original creditor and the new owner ( debt buyer ) to report the same account on a consumer 's credit file.

Failure to Mark as Sold : Original creditors must update the account status to " sold '' or " transferred. '' Continuing to report a sold account as open or due violates the FCRA.

Illegal Resale of Debt : Selling a debt after it has been discharged ( e.g., in bankruptcy ) or after the statute of limitations has expired is prohibited.

Re-aging of Debt : Falsely resetting the delinquency date to make a debt appear newer than it is violates 15 U.S. Code 1681c ( a ) ( 4 ), which limits negative reporting to 7 years from the date of the first delinquency.

Applicable Laws : FCRA ( 15 U.S. Code 1681s-2 ) : Ensures accuracy in credit reporting by both creditors and debt buyers.

Prohibits inaccurate, outdated, or deceptive reporting practices.

FDCPA ( 15 U.S. Code 1692 ) : Prohibits debt collectors from engaging in deceptive, unfair, or abusive practices, including misrepresentation of debt status.

UCC ( Uniform Commercial Code ) : Requires proper handling of contracts, including restrictions on selling debts that violate original contract terms.

This ensures that consumers are not harmed by improper reporting or resale practices. If these violations occur, consumers can dispute the inaccuracies, file complaints with regulatory agencies, or take legal action to seek remedies.

Requested Resolution I request the following immediate actions to remedy these violations : Deletion of Unauthorized Inquiries : All unauthorized hard and soft inquiries must be removed from my credit report.

Immediate Deletion of Inaccurate Information : All erroneous charge-off accounts, sold debts, and inaccurate personal information ( names, addresses ) must be deleted from my credit report within 30 days of receipt of this letter.

Fines and Damages : Under 15 U.S. Code 1681n and 15 U.S. Code 1681o, I request that the responsible parties be fined for willful and negligent violations. This includes statutory damages of {$1000.00} per violation, actual damages, and punitive damages for the harm caused by these continued inaccuracies and third parties original borrowers.

Correction of Personal Information : All incorrect names and addresses on my credit report must be immediately corrected.

Hold Credit Reporting Agencies and Furnishers Accountable : I ask that the CFPB hold these entities accountable for their repeated non-compliance with federal laws, which have caused significant damage to my credit and financial well-being.

I have enclosed copies of my credit reports highlighting the inaccuracies, as well as copies of previous correspondence with the reporting agencies and creditors. Despite my efforts to resolve these issues directly, these violations remain unaddressed, and I now turn to the CFPB to enforce compliance with the law.

Thank you for your prompt attention to this matter. I trust you will take swift action to protect my rights as a consumer and ensure compliance with the FCRA and FDCPA.

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