Consumer complaint received 2024-11-27 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:
XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX Subject : Notice of Rights and Request for Compliance under UCC Codes and Federal Law Dear, Experian I am writing to formally assert my rights under applicable U.S. Code statutes and to request immediate c

ompliance with the laws governing consumer rights, credit reporting, and identity protection. As a consumer, I am protected by the following laws : 1. 15 U.S. Code 1681- Congressional Findings and Statement of Purpose This section emphasizes the necessity of reasonable procedures to ensure the accuracy and fairness of credit reporting. Any inaccuracies or unfair representations within my consumer report are in direct violation of these provisions.

2. 15 U.S. Code 1681a - Definitions and Rules of Construction As defined, a consumer report includes all information impacting my creditworthiness, credit standing, and general reputation. Reporting transaction histories or including information without permissible purposes is a violation of federal law, as described under subsection ( 2 ) ( A ) ( i ).

3. 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports Any access or use of my consumer report must comply strictly with permissible purposes outlined by law. Any unauthorized inquiries or additions to my report may constitute identity theft as per 12 CFR 1022.3, which defines identity theft as fraud committed using another persons information without authority.

4. 15 U.S. Code 1681c2 - Block of Information Resulting from Identity Theft As provided under this section, I request an immediate block of any disputed or unauthorized information in my consumer report that I identify as resulting from potential identity theft. Within four ( 4 ) business days of receiving this letter, you are required to : Confirm my identity.

Block the identified information.

Ensure no further reporting of such data.

5. 15 U.S. Code 1681e - Compliance Procedures Under subsection ( a ), you are obligated to ensure the identity and permissible purpose of users accessing my credit file. Any willful noncompliance with these procedures constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ).

6. 15 U.S. Code 1681n- Civil Liability for Willful Noncompliance Should any willful noncompliance with these laws occur, the law provides for civil liability, including actual damages sustained by me or statutory damages of no less than {$100.00} and no more than {$1000.00} per violation.

In accordance with these statutes, I demand the following actions within thirty ( 30 ) days : Review and validate the accuracy of all items within my credit report.

Remove all addresses, past or present, from my consumer report that have been added without my written consent or are not currently authorized.

Remove any information added without my written consent.

Provide a detailed response outlining your compliance with the above laws.

Failure to comply with these lawful demands may result in legal action to enforce my rights under these statutes. I trust that you will treat this matter with the urgency and diligence it requires.

Sincerely, Feel free to customize further if needed. Let me know if you need assistance with additional details. 

I am not a third-party creditor

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