Consumer complaint received 2024-08-13 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:
I am writing to formally dispute the accuracy of the following information on my credit report, as provided on XX/XX/year>. I believe the information listed below has been improperly used and is in violation of my privacy and there are also concerns about the complete accuracy of the information being reported but mostly the violation of my privacy due to improper use and I request that it be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and Californias Consumer Privacy Act ( CCPA ) XXXX. Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : improper use of information and not everything reported is accurate XXXX. Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Information : improper use of information and not everything reported is accurate XXXX. Account Information : Creditor Name : XXXX  Account Number : XXXX Disputed Information : improper use of information and not everything reported is accurate Basis for Dispute : Under the FCRA, I am entitled to have accurate and complete information on my credit report. I believe the entries listed above are either incomplete or inaccurate and thus do not comply with the accuracy requirements set forth by 15 U.S.C. 1681i. 

Additionally, I believe there are privacy concerns associated with these accounts as well. Privacy Concerns : the information disclosed breaches all specific privacy laws or regulations. For instance, under laws of California Consumer Privacy Act ( CCPA ) or similar state laws, you can argue that the disclosure of certain information violates your privacy rights.Privacy Violations and Relevant Aspects : Inaccuracy and Privacy : Privacy concerns often arise when inaccurate information that is potentially harmful to your reputation is reported. The FCRA ensures that only accurate, complete, and current information is maintained in credit reports, protecting against potential privacy breaches due to incorrect data. 
Unauthorized Access : If information on your credit report is accessed or shared without proper authorization, this could be a violation of your privacy rights under the FCRA. While 15 U.S.C. 1681i specifically deals with dispute processes, unauthorized access and misuse of your credit report could be addressed under other provisions of the FCRA, such as 15 U.S.C. 1681b ( permissible purposes of a credit report ). 
Additional Legal Arguments Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, you have the right to dispute inaccurate or incomplete information and require the credit bureau to investigate.

Fair Debt Collection Practices Act ( FDCPA ) : If there are issues with how the debt was reported or collected, this law might also be relevant.

Privacy Concerns : If the information disclosed breaches any specific privacy laws or regulations, you might include this in your dispute. For instance, under laws like the California Consumer Privacy Act ( CCPA ) or similar state laws, you can argue that the disclosure of certain information violates your privacy rights. 

Action Requested : Please completely delete these accounts from all reports

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 non-monetary relief