Consumer complaint received 2024-12-08 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: GA

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Reinsertion of Information and Violations of FCRA and GLBA Dear Experian Dispute Department, I, XXXX XXXX XXXX, am writing to formally dispute the reinsertion of information concerning the account labeled " XXXX XXXX XXXX XXXX XXXX XXXX, '' which was previously removed from my consumer report on " XX/XX/year>. '' This reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) and raises concerns regarding compliance with federal law.

Violations of the Fair Credit Reporting Act ( FCRA ) 1. Failure to Provide a Certificate of Accuracy ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Experian has
reinserted the account information for XXXX XXXX XXXX XXXX XXXX without providing the required certification of accuracy. According to FCRA guidelines, a certification must be provided to validate the accuracy of information before it can be reinserted into a consumer report. I demand that Experian immediately provide this certificate or remove the account from my report.

2. Identification of the Account as Other Account and Lack of Furnisher Agreement ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) ) The account is labeled as other account on my report, which misrepresents the nature of the debt. Furthermore, the XXXX XXXX XXXX XXXX XXXX is not a recognized furnisher with an agreement to report such information to credit bureaus. Courts do not report such accounts to consumer reporting agencies. This inaccurate reporting violates your duty to maintain the maximum possible accuracy of consumer reports.

Violations of the Gramm-Leach-Bliley Act ( GLBA ) 1. Improper Sharing of Personal Information ( 15 U.S.C. 6802 ( c ) and 6802 ( d ) ) Experian and the XXXX XXXX XXXX XXXXXXXX XXXX appear to have violated the GLBA by sharing my personal information with third-party institutions without proper authorization. I demand that you provide evidence of my consent to such sharing, as required by law, or immediately cease and rectify this unlawful practice.

Demands To resolve this matter, I demand the following actions : 1. Immediate deletion of the XXXX XXXX XXXX XXXX XXXX account from my credit report.

2. A full investigation and validation of the information, including the certificate of accuracy, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Evidence of any furnisher agreements allowing XXXX XXXX XXXX XXXX XXXX to report such information.

4. Confirmation that my personal information is not being shared with unauthorized third parties, in compliance with the GLBA.

5. Deletion of personal addresses I have never resided at : " XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX MI XXXX '' If Experian fails to address these violations promptly, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

Please acknowledge receipt of this letter within 30 days and confirm the specific actions taken to resolve this dispute. You may contact me in writing at the address provided above.

Experian is in clear violations of the above mentioned. I have uploaded proof of my dispute. I sent my dispute over 30 days ago. United States Postal Service tracking number is : XXXX XXXX XXXX XXXX XXXX XXXX. 

Thank you Consumer financial protection bureau in your assistance to resolve this dispute.

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