Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Subject : XXXX  # XXXX Dispute of Inaccurate Debt Reporting and Demand for Correction under the FCRA and FDCPA My personal information has been compromised as a result of several XXXX data XXXX, dating back to XXXX to XXXX The XXXX, XXXX XXXX data breaches in XXXX & XXXX breaches in XXXX. In XXXX, XXXX XXXX XXXX consumers have been victims of credit reporting agencies data breaching. 

This has resulted in my personal information to be publicly exposed, leading to identity theft, inaccurate information reported to credit reporting agencies and/or used to obtain credit. 

These breach have lead to millions of Consumers suffering mental, emotional and financial damage. 


Furthermore, I am writing to formally dispute the accuracy of an alleged debt that has been reported by XXXX on my consumer report. Specifically, based on this creditor 's reporting, my credit report confirms that this debt has been charged off andor any other related taxable event. 

This failure to issue the required documentation raises significant concerns about the accuracy and validity of your reporting. It also constitutes violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1. Inaccurate Reporting Under the FCRA, you are obligated to ensure that all information reported to consumer reporting agencies is accurate and complete. Reporting an alleged charge-off/write-off without issuing the appropriate IRS Form 1099-C is misleading and inaccurate, violating 15 U.S.C. 1681s-2.

2. False or Misleading Representations Under the FDCPA, false or misleading representations concerning the character, amount, or legal status of a debt are prohibited ( 15 U.S.C. 1692e ). Reporting an alleged debt without proper documentation to substantiate the write-off or forgiveness constitutes a clear violation.

3. Unfair Practices Reporting without proper reconciliation and compliance with legal obligations violates 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect or attempt to collect any debt.

Under the FCRA, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. Pursuant to FCRA 605b It is your legal obligation to investigate and either verify the accuracy of the debt or correct/remove the inaccurate reporting within 4 days of receipt of this dispute. Failure to comply may result in additional violations of the FCRA, including but not limited to your responsibilities under 15 U.S.C. 1681i and 15 U.S.C.

1681s-2 ( b ). 

Additionally, under both the FCRA and FDCPA, I am entitled to damages for violations of these statutes : Statutory Damages : Up to {$1000.00} per violation under the FCRA and FDCPA. 
Compensatory Damages : For any financial harm or emotional distress caused by your inaccurate and misleading reporting. 
Punitive Damages : For willful noncompliance under the FCRA ( 15 U.S.C. 1681n ). 


Sincerely, XXXX XXXX XXXX Attachments : 1. Copy of my credit report ( highlighting the disputed item 2. Email From Creditor Denying 1009c Form Request

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