Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam I am writing to dispute certain negative accounts that are currently being reported on my credit file with your respective credit reporting agency. After reviewing my credit reports, I have identified several accounts that I believe to be in violation of federal laws and consumer rights, specifically in relation to the inaccurate and fraudulent reporting of my personal information. I request that these accounts be deleted immediately for the following reasons : 1. XXXX XXXX XXXX XXXX This account has been reported after XXXX XXXX XXXX illegally purchased this debt without my written consent. Their actions constitute fraudulent activity, and the reporting of my personal information without authorization is in direct violation of 15 U.S.C 1681, 15 U.S.C 1681e, and 15 U.S.Cs-2 ( a ). 
2. XXXX XXXX XXXX XXXX XXXX This account was charged off at ( XXXX ) a price inconsistent with the current balance due ( XXXX ). In addition, XXXX XXXX XXXX XXXX has failed to furnish me with a 1099-C form upon the charge-off of this debt, as required under 15 U.S.C 1681e ( b ), 15 U.S.C 1691I ( 7 ), and IRS regulations for charged-off debts. 
3. XXXX XXXX XXXX is still reporting a balance on my credit file despite the fact that this account has been satisfied and the balance is now XXXX. This is a violation of 15 U.S.C 1681e ( b ), as it constitutes inaccurate reporting. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently acquired this debt without my written instruction or authorization. This is a clear violation of 15 U.S.C 1681e, 15 U.S.C 1681s-2 ( a ), and the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from acquiring and reporting debt without proper authorization. 
5.XXXX XXXX XXXX XXXX XXXXXXXX is reporting this account with a XXXX balance despite the account having been charged off. This is inconsistent and violates 15 U.S.C 1681e, 15 U.S.C 1681s-2, and 15 U.S.C 1681e ( b ) by providing inaccurate information to the credit bureaus. 
6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported this account despite acquiring the debt illegally without my written authorization. This constitutes a violation of 15 U.S.C 1681e, 15 U.S.C 1681s-2, and 31 U.S.C 3729, which prohibits illegal furnishing of consumer information 7XXXX XXXX XXXX XXXX Similarly , this account was reported by XXXX XXXX XXXX in violation of 15 U.S.C 1681e and 15 U.S.C 1681s-2, as they furnished my information without written consent or authorization. 

As required by law, I request that you provide all documentation which supports the acquisition of my debt, including any original signed agreements, and any documentations that validates your right to furnish my personal information to the credit bureaus. Specifically, I request and any signatures, authorizations, and agreements related to these accounts that grant consent for the collection or reporting of this information. 

Please take immediate action to remove these negative accounts from my credit report as they violate several provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, including but not limited to 15 U.S.C 1681, 15 U.S.C 1681e ( b ), 15 U.S.C 1681i, 15 U.S.C 1681s-2 ( a ), 15 U.S.C 1681s-2, and 15 U.S.C 1691I ( 7 ), 12 C.F.R 100.34c, 12 C.F.R 1006.6c, 31 U.S.C 3729 and 1099C. 
If these accounts are not deleted from my credit report within the timeframe established by law, I will pursue legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant state and federal agencies. I also reserve the right to take further legal action against the responsible parties for the inaccurate and fraudulent reporting of my information. 

Please confirm receipt of this letter and initiate the necessary steps to resolve this matter within 30 days as per the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX SSN last four : XXXX XX/XX/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