Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] TO : Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : LEGAL DEMAND FOR REMOVAL OF INACCURATE INFORMATION, CEASE AND DESIST, REFUNDS, AND COMPLIANCE WITH FEDERAL LAW To Whom It May Concern : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and associated federal statutes to demand immediate corrective action on my credit file. Your continued failure to comply with these laws exposes you to civil liabilities, including penalties, statutory damages, and costs of litigation. This letter serves as formal notice of your obligations under the following statutes : DEMAND FOR CEASE AND DESIST Under 15 U.S.C. 1692cc, I demand that your agency immediately cease all communications with me except as specifically authorized by law. This includes all written, verbal, electronic, or other forms of contact. 

DEMAND TO DELETE LATE PAYMENTS 15 U.S.C. 1666b : Late payments must be credited as of the date they were received. Your failure to apply this is a clear violation of TILA. 

15 U.S.C. 1637 ( b ) : Requires accurate disclosure of billing statements, including late fees. 

15 U.S.C. 1681s-2 : Obligates furnishers of information to report accurately and investigate disputes. 

15 U.S.C. 1681i : Mandates CRAs to investigate disputed information within 30 days and correct or delete inaccuracies. 

I have incurred monetary damages as a direct result of your failure to comply. Specifically : Incurred a variety of late fees due to improperly reported late payments. 

Paid over {$19000.00} dollars in higher interest rates over the past 12 months due to incorrect credit scores. 

Experienced added interest and financial penalties for my mortgage opportunity because of inaccurate reporting of a past-due accounts that don't belong to me. 

Case Laws : Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) : Reinforces the responsibility of creditors to ensure timely crediting of payments. 

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Demonstrates liability for failure to correct inaccurate credit reporting. 

DEMAND TO DELETE INQUIRIES 15 U.S.C. 1681b ( 2 ) : Inquiries must have a permissible purpose with explicit consumer consent. 

15 U.S.C. 1681q : Procuring information under false pretenses is punishable. 

15 U.S.C. 1681c-2 : Consumers have the right to block information from identity theft or unauthorized inquiries. 

Delete these and any other Unauthorized Inquiries immediately : XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

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XX/XX/XXXX XXXX XXXX, XXXX. 

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XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX XXXX XXXX, XXXX. 

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XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX. 

XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX EQUIFAX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX. 

XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX CONSUMER XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX EQUIFAX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX UPDATE XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX Credit Report I estimate financial damages due to unauthorized inquiries, including penalties for higher interest rates on credit products tied to the unauthorized inquiries. 

Case Laws : Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( 9th Cir. 2010 ) : Clarifies the need for explicit consumer consent for accessing credit reports. 

Thompson v. San Antonio Retail Merchants Ass'n, 682 F.2d 509 ( 5th Cir. 1982 ) : Establishes liability for unauthorized access to credit reports. 

DEMAND TO DELETE COLLECTIONS 12 C.F.R. 1006.34 ( c ) : Requires accurate debt validation and itemization.


12 C.F.R. 1006.6 ( c ) : Prohibits third-party disclosure without consent. 15 U.S.C. 1681e ( b ) and 1681s-2 ( A ) : Obligates accuracy and correction of errors. 

Delete these Incorrect Collection Accounts : XXXX XXXX  Account # xxxxx XXXX The incorrect collection accounts have caused additional harm : I incurred person cost for credit protection and legal consultation fees to address erroneous collection disputes and debt validation. 

My credit score has been reduced by over 150 points, directly affecting my ability to secure financing for a vehicle purchase, obtaining a home loan, and getting approved for an apartment rental which increased my overall cost by over {$19000.00} dollars annually. 

Case Laws : Heintz v. Jenkins, 514 U.S. 291 ( 1995 ) : Applies FDCPA to attorneys engaging in collection activities. 

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) : Highlights obligations to investigate disputes. 

DEMAND TO DELETE MEDICAL COLLECTIONS 15 U.S.C. 1681i and 1681s-2 : Requires verification and deletion of unverifiable medical debts. 

31 U.S.C. 9816 : Protects against unauthorized disclosure of medical information. 

CORRECT REPORTING AND DELETE INVALID DATA 1099-C ( IRS Code ) : Cancellation of debt obligations must be appropriately marked and removed. 

Delete all Cancellation of Debt Obligations/Charge-Offs : XXXX XXXX ( XXXX XXXX Account # xxxxxxxx XXXXXXXX XXXX ( closed ) Account # xxxxxxxxxxxx XXXX Correct all reporting of charge-offs, certificates of indebtedness, and transaction history, which can not legally be reported. This data must be immediately marked " paid as agreed. '' Delete all non-mailable addresses and invalid contact points in my file per 15 U.S.C. 1681c ( a ) ( 5 ). 

Delete all of these Non-Mailable Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Former XX/XX/XXXX Incorrectly reported charge-offs and repossessions have directly cost me in penalties and reduced access to necessary credit on multiple occassions. 

OPT-OUT OF AUTHORIZATION Pursuant to 15 U.S.C. 6802, I formally revoke any prior written, verbal, or implied authorizations regarding the use, sharing, or sale of my personal information. As a federally protected consumer, I do not consent to any form of processing of my data outside the permissible purposes defined under 1681b. 

ADDITIONAL INFORMATION REQUEST Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you contacted for follow-up. 

Exercise your rights under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), and request the credit reporting agency give you the Method of Verification. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt vs. Gravens ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on [ Insert Date ]. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

What certified documents were reviewed to conclude your investigation? Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

DEMAND FOR IMMEDIATE ACTION Remove all inaccuracies, unverified accounts, late payments, collections, repossessions, and inquiries. 

Refund all late fees, penalties, and financial losses amounting to over {$19000.00} caused by your noncompliance. 

Provide documented proof of compliance within 30 days, as required under 15 U.S.C. 1681i. 

Failure to comply will result in legal action to seek damages, statutory penalties under 15 U.S.C. 1681n and 1681o, and referral to regulatory authorities. Attached, you will find supporting documentation, including correspondence records, proof of inaccuracies, and relevant legal references. 


By : XXXX XXXX XXXX [ agent/beneficiary ] Without Prejudice All Natural Inalienable Rights Reserved

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