Consumer complaint received 2024-11-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX [ City, State, ZIP Code ] XXXX XXXX XXXX XXXX XXXX 

Subject : Demand to Cease Reporting to Credit Agencies and Notice of FCRA Violations Dear XXXX XXXX XXXX, I am writing to formally demand that you cease and desist any and all reporting of the above-referenced account ( s ) to the credit reporting agencies. Your continued reporting of this account is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable case law regarding the accurate and fair handling of consumer information.

Basis for Demand 1. FCRA Violations Under the FCRA, 15 U.S.C. 1681s-2 ( a ), information furnishers such as XXXX have an obligation to ensure the accuracy of information reported to credit bureaus. Inconsistent, outdated, or otherwise erroneous reporting of information on this account has caused and continues to cause harm to my credit profile and financial reputation.

I demand that you correct any inaccuracies on my credit report as outlined under 15 U.S.C. 1681i, and immediately cease all reporting activities on this account. Continued violations of my rights under the FCRA expose your organization to legal liability and potential punitive damages, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which underscores your obligation to accurately report and verify consumer data.

2. Consumer Protection under the U.S. Code I am formally requesting that XXXX cease all further communication and reporting of this account to credit agencies in line with the protections provided to consumers under U.S. Code Title 15. Any continued or misleading reporting of this debt, especially given past errors and disputes, may be construed as a deliberate attempt to harm my credit profile and constitutes willful noncompliance under 15 U.S.C. 1681n.

3. Case Law Support Notable case law, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), emphasizes the duty of furnishers to investigate disputed information thoroughly. Your failure to address prior disputes adequately or to ensure accuracy in reporting may expose you to further legal recourse. Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), supports the argument that negligent or willful misreporting warrants corrective action, damages, and cessation of adverse reporting.

Required Actions 1. Immediate Cessation of Reporting You are hereby requested to cease all reporting related to this account to all consumer credit reporting agencies. This demand includes any adverse information that is inaccurate or misleading and any entries that could further damage my credit profile.

2. Written Confirmation I request written confirmation within 15 days from the date of this letter confirming that XXXX has complied with the demands herein. Failure to comply will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), state Attorney Generals office, and potential legal action for damages.

Failure to take the actions requested in this letter may leave XXXX liable for damages under both statutory and case law provisions. Please consider this communication as an effort to resolve this matter without escalation. However, should you fail to comply, I reserve the right to seek full legal recourse. 


XXXX XXXX XXXX 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