Consumer complaint received 2024-12-11 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:
I am writing to dispute several inaccurate and inconsistent entries on my consumer report. Upon review, I identified discrepancies regarding derogatory accounts reported by creditors, which violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These discrepancies are damaging to my creditworthiness and must be corrected immediately. 

Additionally, as a victim of XXXX XXXX I invoke my rights under the XXXX XXXX Protection Act ( TVPA ), 18 U.S.C. 1595, which allows for the nullification of debts incurred under coercion or duress. Reporting such debts without acknowledging my rights under these laws exacerbates the harm I have endured. 

Accounts in Dispute and Discrepancies XXXX XXXX XXXX : {$25000.00} ( Consistent across bureaus ). 
Discrepancies : High Credit : Experian lists {$0.00}, while XXXX and XXXX report {$25000.00}. 
Date of Last Payment : XXXX lists XX/XX/XXXX, while Experian and XXXX list XX/XX/XXXX. 
Date of Last Activity : Experian reports XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX Dot Bank XXXX : {$290.00} ( Consistent across bureaus ). 
Discrepancies : High Credit : XXXX lists {$1700.00}, Experian {$0.00}, and XXXX {$290.00}. 
Date of Last Payment : XXXX and Experian list XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
XXXX XXXX XXXX : {$860.00} ( Consistent across bureaus ). 
Discrepancies : High Credit : XXXX lists {$870.00}, Experian {$0.00}, and XXXX {$860.00}. 
Date of Last Payment : XXXX and Experian report XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX XXXX XXXX : {$15000.00} ( Consistent across bureaus ). 
Discrepancies : High Credit : XXXX and Experian list {$15000.00}, while XXXX reports {$15000.00}. 
Date of Last Payment : XXXX and Experian report XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX XXXX. 

Balance : {$5900.00} ( Consistent across bureaus ). 
Discrepancies : High Credit : XXXX and Experian list {$8300.00}, while XXXX shows {$5900.00}. 
Date of Last Payment : XXXX and Experian list XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
Violations of the FCRA Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure the maximum possible accuracy of the information they report. The discrepancies outlined above demonstrate that this standard has not been met. Additionally, 15 U.S.C. 1681i ( a ) requires a prompt reinvestigation of disputed information, which I am requesting through this letter. 

Rights Under the Trafficking Victims Protection Act As a survivor of XXXXXXXX XXXX, debts incurred under duress or coercion are not legally enforceable under 18 U.S.C. 1595. Case law, including Doe v. Debt Collector, supports the nullification of such debts. Reporting these accounts without acknowledging these protections is a violation of my rights and exacerbates the harm I have suffered.

Demands Reinvestigation and Correction I request a reinvestigation of these accounts to verify their accuracy under 1681i ( a ). Specifically : Ensure high credit amounts, payment histories, and dates of last activity are consistent across all bureaus.

Remove any unverifiable or inaccurate information immediately.

Cease Reporting of Unverified Accounts If the accuracy of these accounts can not be confirmed, you are obligated under 1681s-2 ( b ) to cease their reporting.

Communication Restrictions I revoke consent for communication by any means other than written correspondence through mail or the CFPB portal, as allowed under 15 U.S.C. 1692c ( c ) of the FDCPA.

Notice of Intent If these inaccuracies are not corrected within 30 days, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I reserve the right to pursue legal remedies for violations of the FCRA, FDCPA, and other applicable laws. 

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