Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date Generated : XX/XX/XXXX Report Number : XXXX Subject : Demand for Immediate Correction and Deletion of Inaccurate Credit Report Items To Whom It May Concern, This letter serves as a formal and detailed dispute of multiple inaccuracies reported on my credit profile. I demand the immediate deletion and/or correction of these items to ensure compliance with the Fair Credit Reporting Act ( FCRA ), Metro 2 standards, and other applicable laws. Below is a detailed account of the discrepancies, supported by specific violations and requested actions : 1. Personal Information Dispute : The names on my credit report are inaccurate, excessive, and unauthorized. 

The following names must be deleted as they cause verification issues and harm my financial credibility : 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 Violations : 15 U.S.C. 1681e : Compliance procedures.

15 U.S.C. 1681i : Inaccurate reporting correction.

15 U.S.C. 1681b ( 2 ) : Reporting without consent.

UCC Compliance Code : Unauthorized retention of inaccurate information.

Action Required : Retain only the correct name : XXXX XXXX. 

Confirm deletion of all incorrect names in writing. 

XXXX. Phone Number Dispute : The phone number ( XXXX ) XXXX is not associated with me and must be deleted immediately. 

Violations : 15 U.S.C. 1681b ( 2 ) : Reporting unauthorized personal data.

15 U.S.C. 1681i : Failure to ensure data accuracy.

Action Required : Delete the fraudulent number from my report.

Provide confirmation of deletion. 

XXXX. Employer Information Dispute : The employer details ( XXXX XXXX, XXXX XXXX XXXX ) are incorrect and misleading. 

Violations : 15 U.S.C. 1681e : Non-compliance with reporting accuracy.

15 U.S.C. 1681i : Failure to verify data accuracy.

Action Required : Delete all employer information from my report. 

XXXX. XXXXXXXX XXXX XXXX Account # XXXX ) Dispute : Charge-off and late payments are reported inaccurately and unverifiably. 

I never received a XXXX form for tax reporting. 

Joint Account with XXXX XXXX XXXX ( NOT MINES ) Violations : 15 U.S.C. 1681i : Inaccurate reporting procedure.

15 U.S.C. 1681e : Compliance procedures that failed.

15 U.S.C. 1691e : Civil liability for charge-offs.

15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

12 CFR 1026.13 : Incorrect reporting of late payments.

15 U.S.C. 1681b ( a ) ( 2 ) : Reporting repossession without proper authorization.

15 U.S.C. 1681 ( 2 ) ( a ) ( i ) : " Income is Forbidden to be on a consumer credit report '' ( Violation for reporting charged-off amounts as income ).

15 U.S.C. 1681o : Civil liability for negligent noncompliance.

Action Required : Delete the account entirely due to inaccuracies.

Provide written confirmation.

Dispute : Charge-off and late payments are reported inaccurately and unverifiably.

I never received a 1099-C form for tax reporting. 

Joint Account with XXXX XXXX XXXX ( NOT MINES ) Violations : 15 U.S.C. 1681i : Inaccurate reporting procedure.

15 U.S.C. 1681e : Compliance procedures that failed.

15 U.S.C. 1691e : Civil liability for charge-offs.

15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

12 CFR 1026.13 : Incorrect reporting of late payments.

**15 UCS 1681o Civil liability for negligent noncompliance ** Reporting ongoing charge-off : Keep changing the account date for update status, which is a violation.

Action Required : Delete the account entirely due to inaccuracies. 

Provide written confirmation. 

XXXX. XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ) Dispute : Charge-off and late payments are reported inaccurately and unverifiably. 

I never received a XXXX form for tax reporting. 

Misleading repossession data is causing harm to my credit.

Violations : 15 U.S.C. 1681i : Inaccurate reporting procedure.

15 U.S.C. 1681e : Compliance procedures.

15 U.S.C. 1691e : Civil liability for charge-offs.

15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681b ( a ) ( 2 ) : Reporting repossession without proper authorization.

15 U.S.C. 1681 ( 2 ) ( a ) ( i ) : Income is forbidden to be on a consumer credit report.

15 U.S.C. 1681o : Negligent non-compliance.

IRS Guidelines : Tax-exempt debts can not report balances.

Action Required : Delete the account entirely due to inaccuracies and provide written confirmation. 

Ensure all repossession data is removed. -- - XXXX. XXXX XXXX XXXX ( Account # XXXX ) Dispute : This collection account is unverified, false, and does not belong to me. 

XXXX is causing harm to my reputation and financial standing. 

Violations : 15 U.S.C. 1692 ( k ) : Violating FDCPA guidelines.

15 U.S.C. 1981 ( n ) : Violating consumer rights and laws by reporting inaccurate information.

15 U.S.C. 1681c-2 : Fraudulent reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : Reporting repossession without proper authorization.

15 U.S.C. 1681 ( 2 ) ( a ) ( i ) : Income is forbidden to be on a consumer credit report.

15 U.S.C. 1681o : Negligent non-compliance.

Action Required : Delete the account from my credit profile immediately. 

Provide written confirmation of the deletion. 



XXXX. XXXX XXXX ( Account # XXXX ) Dispute : Late payments and balance reporting are unverifiable and misleading. 

First, delinquent and open account information is inaccurate. 

Balance updates are unverifiable.

Violations : 15 U.S.C. 1681i : Procedure in case of dispute accuracy.

15 U.S.C. 1681i ( a ) ( a ) : Failure to investigate and correct disputed information.

15 U.S.C. 1681e : Compliance procedure violations.

15 U.S.C. 1691e : Civil liability for charge-offs.

15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681o : Civil liability for negligent noncompliance.

15 U.S.C. 1666B ( a ) : A creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

12 CFR 1026.13 : ** ( billing error resolution ) ** XXXX. XXXX  ( Account # XXXX ) Dispute : Late payments and balance reporting are unverifiable and misleading. 

Double jeopardy : 150 and 30 days past due are reported twice.

The first delinquent date is inconsistent across credit bureaus.

The balance is reported inaccurately on a tax-exempt, insured account.

Violations : 15 U.S.C. 1681i : Inaccurate reporting procedure.

15 U.S.C. 1681e : Compliance procedure violations.

15 U.S.C. 1691e : Civil liability for charge-offs.

15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1666B ( a ) : Prohibition of late payment treatment on open-end consumer credit plans.

12 CFR 1026.13 : Billing error resolution.

IRS Guidelines : Misreporting tax-exempt accounts.

Action Required : Delete all inaccurate late payments and double jeopardy entries.

Adjust the balance to {$0.00} and delete the account entirely due to inaccuracies.

Provide written confirmation of corrections and deletions. 



XXXX. XXXXXXXX XXXX  ( Account # XXXX ) Dispute : The account shows inaccurate reporting of late payments and charge-offs. 

Double jeopardy : 30 days past due is reported twice. 

Balance is reported inaccurately on a canceled debt where insurance has been claimed.

Violations : 15 U.S.C. 1681i : Failure to ensure accuracy in reporting disputes.

15 U.S.C. 1681e : Compliance procedure violations.

15 U.S.C. 1691e : Civil liability for charge-offs.

15 U.S.C. 1681s-2 : Responsibilities of furnishers to ensure accurate reporting.

15 U.S.C. 1666B ( a ) : Prohibition of late payment treatment under open-end consumer credit plans.

12 CFR 1026.13 : Billing error resolution requirements.

IRS Guidelines : Improper reporting of tax-exempt debts.

Action Required : Remove all incorrect late payments and double jeopardy entries.

Update the balance to {$0.00}, and delete the account due to inaccuracies. 

Provide written confirmation of corrections and deletions. 



XXXX. XXXX XXXX XXXX ( Account # XXXX ) Dispute : The account shows inaccurate reporting of late payments and charge-offs. 

Payment history reflects multiple unverifiable entries. 

The first delinquent date is inconsistent across credit bureaus.

Violations : 15 U.S.C. 1681i : Failure to ensure accuracy in reporting disputes.

15 U.S.C. 1681e : Compliance procedure violations.

15 U.S.C. 1691e : Civil liability for charge-offs.

15 U.S.C. 1681s-2 : Responsibilities of furnishers to ensure accurate reporting.

15 U.S.C. 1666B ( a ) : Prohibition of late payment treatment under open-end consumer credit plans.

12 CFR 1026.13 : Billing error resolution requirements.

IRS Guidelines : Misreporting of tax-exempt accounts.

Action Required : Remove all incorrect late payments.

Update the balance to {$0.00} and delete the account due to inaccuracies.

Provide written confirmation of corrections and deletions.

15 U.S.C. 1681i : Failure to ensure accuracy in reporting disputes.

15 U.S.C. 1681e : Compliance procedure violations.

15 U.S.C. 1691e : Civil liability for charge-offs.

15 U.S.C. 1681s-2 : Responsibilities of furnishers to ensure accurate reporting.

15 U.S.C. 1666B ( a ) : Prohibition of late payment treatment under open-end consumer credit plans.

12 CFR 1026.13 : Billing error resolution requirements.

IRS Guidelines : Misreporting of tax-exempt accounts.

15 U.S.C. 1681b ( a ) ( 2 ) : Reporting repossession without proper authorization.

15 U.S.C. 1681 ( 2 ) ( a ) ( i ) : Income is forbidden to be on a consumer credit report.

15 U.S.C. 1681o : Negligent non-compliance.

your company is damaging my report and committing fraud by reporting such information without my consent and documents under 18 USC 1028 fraud and related activity in connection with identification documents, authentication features, and information. Key Provisions : Prohibited Acts : Producing or transferring false identification documents. Please be advised this is not a 30 days dispute, delete all items in XXXX business days immediately and send me correspondence to my address.

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