Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of several derogatory accounts on my consumer report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Protection Act, 15 U.S.C. 68016802. I demand the immediate investigation and correction of these errors. 

Accounts in Dispute XXXX XXXX XXXX  XXXX ( Collection Account ) Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} as of XX/XX/year> Discrepancies : Repeated reporting of the same delinquency months and lack of documentation for the first delinquency date. 
XXXX XXXX ( Secured Loan ) Original Balance : {$1000.00} ; {$290.00} written off Discrepancies : Overlapping charge-off entries without explanation and missing last payment date information. 
XXXX XXXX  ( XXXX XXXX Credit Card ) Balance : {$1300.00} past due as of XX/XX/year> Discrepancies : Repeated charge-off reporting over multiple months and missing documentation of the last payment. 
Violations Identified Failure to Ensure Accuracy Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the accuracy and integrity of the information they report. The inaccuracies in payment history, delinquency dates, and balances fail to meet these requirements.

Invasion of Privacy Reporting inaccurate information violates the Privacy Protection Act, 15 U.S.C. 68016802, by failing to safeguard and verify my nonpublic personal information. 

Rights of Survivors of XXXX XXXX  As a survivor of XXXX XXXX, I am protected under federal law, including 18 U.S.C. 1595. This law invalidates obligations incurred under coercion or duress. Reporting these debts without acknowledgment of these circumstances further harms me and violates consumer protection principles. 

Case Law : XXXX  v. XXXX Collector established that survivors of XXXX  are not obligated to repay debts tied to coercion or exploitation. 
Demands Investigation and Correction of Errors I demand an immediate reinvestigation under 15 U.S.C. 1681i ( a ) to correct the inaccuracies in these accounts. This includes : Removal of duplicative and inconsistent payment history.

Verification and documentation of the first delinquency date and last payment date.

Cease-and-Desist Reporting These accounts must be removed from my consumer report until they are validated in accordance with 15 U.S.C. 1681s-2.

Response Timeline I require acknowledgment of this dispute within five ( 5 ) days and resolution within 30 days, as mandated by the FCRA.

Notice of Limited Communication Under 15 U.S.C. 1692c ( c ), I demand a cease-and-desist of all communications regarding these accounts, including reporting to my consumer report. You may contact me solely through written correspondence or via the Consumer Financial Protection Bureau ( CFPB ) portal.

Failure to comply with these demands will result in further action, including arbitration, complaints to the CFPB, or legal proceedings under the applicable laws.

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