Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Removal of Inaccurate Information on Credit report Dear Experian, I am writing to dispute the following inaccurate information on my credit report. I believe that these entries are in violation of my rights under federal law and that they do not reflect the accurate status of my financial obligations. I would like to have them corrected or removed under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. 

Account Information Account Name : XXXX XXXX  I Account Number : XXXX Reason For Request : XXXX. Violations of Fair Debt Collection Practices Act ( FDCPA ) : The debt collectors associated with these accounts have engaged in practices that are inconsistent with the FDCPA ( 15 U.S.C. 1692 et seq. ), including incorrect reporting, failure to validate the debt.

2. Inaccurate Reporting Under Fair Credit Reporting Act ( FCRA ) : The information has been inaccurately reported on my credit report. Under 15 U.S.C. 1681 et seq., I am entitled to accurate information. Despite my attempts to resolve these issues, the inaccuracies persist.

3. Unauthorized Sharing of Personal Information : The handling of my information by both the original creditors and debt collectors appears to violate privacy provisions. According to 15 U.S.C. 1681b, credit reporting agencies must only share information with entities having a permissible purpose, and 15 U.S.C. 1681e ( b ) mandates procedures to ensure accuracy and confidentiality. The improper sharing and reporting of my information breach these standards.

4. Violations of Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681i - I have disputed the accuracy of these items, yet they remain unresolved. This section requires a prompt investigation and correction of any inaccuracies.

- 15 U.S.C. 1681e ( b ) - The information reported appears to be inaccurate and incomplete, violating the requirement to ensure maximum possible accuracy.

5. Violations of Fair Debt Collection Practices Act ( FDCPA ) : - 15 U.S.C. 1692g - The debt collectors failed to provide proper validation of the debts as required by law, making the reporting of these items invalid.

- 15 U.S.C. 1692e - The practices of the debt collectors included misleading or deceptive actions, which is prohibited under this section.

6. Consumer Financial Protection Act ( CFPA ) : - 12 U.S.C. 5531 - The actions of the creditors and collectors involved in this matter may constitute unfair or deceptive practices under this provision.

Request for Immediate Action : Given the aforementioned violations, I respectfully request the following actions : 1. Immediate Investigation and Removal : Investigate and Remove all information I am disputing.

2. Updated Correction of Credit Report : Ensure that a Updated credit report is sent to me once the investigation is completed and it accurately reflects my financial history without the disputed entries.

3. Investigation and Enforcement : Investigate the handling of my accounts by the creditors and debt collectors to ensure compliance with federal laws regarding the reporting and sharing of personal information.

Please notify me in writing of the outcome of your investigation. If disputed information is not corrected, please include the procedure used to verify the accuracy of the information, as required by the FCRA. 

I appreciate your urgent attention to this matter and anticipate a prompt resolution. 

Sincerely, 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