Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Account Number : XXXX Delete this account. This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity.

15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION XXXX XXXX Account Number : XXXX Delete from my credit report This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.

T

his account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity.

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 
This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity.

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Update to Open/Never late XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies XXXX. SYSTEM, XXXX Account Number : XXXX Delete this account. 
This account was previously disputed and removed from my credit report due to its inaccuracies. Its reinsertion, without compliance with FCRA requirements, is not only illegal but a direct attack on my financial integrity. 
XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXXXXXX Account Number : XXXX Delete from my credit report. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX, I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XACTUS-AVANTUS/ROCKET Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

, As per the IRS.Gov : Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ) Write-off of a debt is an accounting action that results in reporting the debt/receivable as having no value on the agencys financial and management reports. The agency does not need DOJ approval to write-off a debt since the agency is only adjusting its accounting records. Generally, write-off is mandatory for debts delinquent more than two years, unless documented and justified to the Office of Management and Budget ( OMB ) in consultation with Treasury. However, in those cases where material collections can be documented to occur after two years, debt can not be written off until the estimated collections become immaterial. See OMB Circular No. A-129, Section V.5.

Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( A ) notice required by section 552a ( e ) ( 4 ) of title 5 indicates that information in the system may be disclosed to a consumer reporting agency ; ( B ) the head of the agency has reviewed the claim and decided that the claim is valid and overdue ; ( C ) the head of the agency has notified the person in writing ( i ) that payment of the claim is overdue ; ( ii ) that, within not less than 60 days after sending the notice, the head of the agency intends to disclose to a consumer reporting agency that the person is responsible for the claim ; ( iii ) of the specific information to be disclosed to the consumer reporting agency ; and ( iv ) of the rights the person has to a complete explanation of the claim, to dispute information in the records of the agency about the claim, and to administrative repeal or review of the claim ; ( D ) the person has not ( i ) repaid or agreed to repay the claim under a written repayment plan that the person has signed and the head of the agency has agreed to ; or ( ii ) filed for review of the claim under paragraph ( 2 ) of this subsection ; ( E ) the head of the agency has established procedures to ( i ) disclose promptly, to each consumer reporting agency to which the original disclosure was made, a substantial change in the condition or amount of the claim ; ( ii ) verify or correct promptly information about the claim on request of a consumer reporting agency for verification of information disclosed; and ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and ( F ) the information disclosed to the consumer reporting agency is limited to ( i ) information necessary to establish the identity of the person, including name, address, and taxpayer identification number ; ( ii ) the amount, status, and history of the claim ; and ( iii ) the agency or program under which the claim arose.

( 2 ) Before disclosing information to a consumer reporting agency under paragraph ( 1 ) of this subsection and at other times allowed by law, the head of an executive, judicial, or legislative agency shall provide, on request of a person alleged by the agency to be responsible for the claim, for a review of the obligation of the person, including an opportunity for reconsideration of the initial decision on the claim.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove these items before I am forced to take legal action.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

If you disregard this request and continue to report these unverified accounts on my credit report. You will be in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the XXXX XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.

I have already spoken with my attorney and he stated to me that if you refuse to correct information after being provided proof of inaccuracy. That could be considered Defamation, willful injury which has already been decided by the courts. FCRA Section 623 XXXX XXXX XXXX XXXX XXXX. US Court of Appeals for the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, Filed ( XXXX XXXX XXXX ). 
The law is crystal clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this matter by you following the law and deleting these unverified accounts from my credit report.

Thank You, 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