Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent Under my rights afforded by the Fair Credit Reporting Act ( FCRA ) and Gramm-Leach-Bliley Act ( GLBA ), I formally dispute the accuracy of the reported XXXX XXXX XXXX XXXX account on my credit file . This account contains multiple discrepancies and ambiguities across all three credit reporting agencies XXXX, Experian, and XXXX which clearly violate reasonable verification procedures required under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ).

Specific Discrepancies and Ambiguities : Status Inconsistency : XXXX lists the account as " Charge-Off '' with the last payment as XX/XX/year>. 
Experian states the " Account Charged Off '' with a date discrepancy ( XX/XX/year> ) and marks a consumer dispute unresolved. 
XXXX reports " Charged Off as Bad Debt '' with an unclear payment history. 
These inconsistencies indicate an inadequate investigation and verification process, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 
Ambiguous Payment History : Each bureau provides differing dates of delinquency and " charge-off '' status reporting, which contradict the accurate timeline. 
No payment history is displayed on XXXX 's report, violating 1681e ( b ) regarding the accuracy of all data presented.

Verification Procedures : I demand the bureau disclose the reasonable procedures used to verify this account, as required under 15 U.S.C. 1681e ( b ). Failure to disclose such procedures violates my consumer rights. 
Consumer Statement and Dispute Status : Experian mentions " Item in Dispute by Consumer '', yet it remains unresolved. This violates your duty under 15 U.S.C. 1681s-2 ( b ) to investigate disputes promptly and mark accounts as accurate only after proper validation. 
Violations of Law Identified : FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to maintain and follow reasonable procedures for maximum possible accuracy. 
15 U.S.C. 1681i ( a ) ( 5 ) : Failure to reinvestigate disputed items and correct or delete inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Failure of the furnisher to conduct a thorough investigation after being notified of a dispute. 
Gramm-Leach-Bliley Act ( GLBA ) Violations : 15 U.S.C. 6802 : Non-consensual sharing of inaccurate data with credit bureaus.

15 U.S.C. 6804 : The bureaus failure to safeguard the integrity of consumer data during reporting. 
Recent Data Breaches Impacting Consumer Trust : Given the National Consumer Protection Database ( NPD ) breach, I question the validity of verification procedures for my personal data. This further necessitates proof that accurate records exist and were verified securely. 
Relief Sought : Immediate Deletion : I request that this account be permanently deleted from my credit file if your investigation can not prove its absolute accuracy. 
Procedural Documentation : Provide documentation of the methods used to verify this information. 
Cease Reporting : Stop reporting this account until your procedures are brought into compliance. 
Failure to address this dispute within 30 days will result in further actions, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Sincerely, XXXX XXXX XXXX [ XXXX ] 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