Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Address Removal and Dispute of Negative Accounts Dear Sir/Madam, I am writing to formally request the removal of the following addresses from my credit report as they are non-mailable and do not pertain to me : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are inaccurate and should not be associated with my personal information. As per 15 USC 1681, section 602 ( a ), " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' You, as a consumer reporting agency, have an obligation to respect my right to privacy and ensure that inaccurate information is not shared. 

Additionally, I am disputing the following negative accounts listed on my credit report : XXXX XXXX XXXX # XXXX Under 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), a furnisher of information is prohibited from providing any inaccurate information to a consumer reporting agency. XXXX XXXX XXXX has failed to provide accurate information. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX chain of title was questioned, raising serious concerns about their accuracy and ability to provide sufficient documentation to validate debts. I demand immediate validation of this account or its removal from my credit report. 

XXXX XXXX XXXX # XXXX As per XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has been involved in numerous disputes where inaccurate and incomplete information was reported to credit bureaus. Under the Fair Credit Reporting Act, 15 U.S.C. 1681, and 15 U.S.C. 6802 ( b ) ( c ), this furnisher did not provide me with the option to opt out of information sharing and failed to validate the accuracy of the information. I demand this account be removed unless properly validated. 

Furthermore, under 15 USC 6801, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Both XXXX XXXX XXXX and XXXX XXXX XXXX have failed to adhere to these obligations, as they have reported inaccurate and unverified information without my written consent. 

In accordance with 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the consumers written consent, which I have never provided to XXXX XXXX XXXX, XXXX XXXX XXXX, or the credit bureaus. I am revoking any prior consentwhether verbal, written, implied, or otherwiseeffective immediately. You are prohibited from reporting these accounts under my name without my explicit authorization. 

Moreover, under 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of all reporting services that furnish inaccurate or unverifiable information to consumer reporting agencies, including XXXX, Experian, and XXXX. 

Please remove the inaccurate addresses and the disputed accounts listed above within the legally required timeframe. Failure to comply with my requests could result in legal action pursuant to my rights under federal consumer protection laws. 

Thank you for your immediate attention to this matter. I look forward to your confirmation of these actions.

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