Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Dispute Authorization and Multiple Violations of Fair Credit Reporting Act I, XXXX XXXX, XXXX XXXX this dispute. It is important to note that this dispute was not sent by an unauthorized third party or \ '' credit clinic.\ '' I am writing to address the persistent violations of the Fair Credit Reporting Act ( FCRA ) that have yet to be resolved, despite my previous dispute letters. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are still reporting fraudulent accounts on my credit report that do not belong to me, thereby infringing upon my privacy rights. As I have reiterated multiple times, I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report.

FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : Despite my previous disputes, you persist in reporting false information that suggests I applied for multiple inquiries and accounts. It is evident that these actions were the result of a scammer\ 's actions.

Such misleading and unverified reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) and its fairness requirements.

FCRA Section 616 - Civil Liability for Willful Noncompliance : Your failure to verify the accuracy of the credit information you have accepted demonstrates willful noncompliance. I remind you that such noncompliance is subject to civil liability of up to {$1000.00} per violation.

FCRA Section 605B - Aggravated Identity Theft : Continuing to share my personal information with numerous creditors without obtaining my consent is a criminal act of aggravated identity theft. I reiterate that this offense carries a penalty of up to 2 years of imprisonment.

FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You have yet to fulfill your obligation to disclose my right to opt out of sharing my personal information. This omission is deceptive and a direct violation of my consumer rights.

FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : Despite my previous dispute efforts, you persist in furnishing inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ).

Reporting such deceptive information is unacceptable.

In addition to the aforementioned violations, I remind you of the previous violations outlined in my previous dispute letters, including the violation of Debt Collection Practices Act, Identity Theft Laws, Acquiring Location Information Regulations, Timely Payments Regulations, Finance Charge Determination, and Credit Report Permissible Purposes. These violations necessitate your immediate attention and resolution. 

Once again, I demand that you take immediate action to address these violations and fulfill the following requests : XXXX XXXX XXXXXXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX  XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This account needs to be validated. -Remove on my report immediately! 

Bankruptcy chapter XXXX - XXXX - The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ), which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft, making you criminally and civilly liable. - This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. 

Bankruptcy chapter XXXX - XXXX - The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ), which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft, making you criminally and civilly liable. - This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account.

Remove all fraudulent and inaccurate accounts from my credit report.

Block any information resulting from identity theft, as required by the FCRA. 
I can not emphasize enough the urgency of this matter. Your persistent noncompliance with my requests and failure to rectify these violations leave me with no choice but to pursue the legal remedies available under the Fair Credit Reporting Act. 
I expect a prompt response outlining a definitive plan of action from you. Your cooperation in rectifying these issues is imperative and greatly appreciated. 

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