Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out To : XXXX XXXX XXXX XXXX XXXX XXXX Dear Representatives, I am writing to address two separate but related matters : 1. A formal dispute of inaccurate information on my XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX consumer disclosure reports. 
XXXX. A request for a permanent security freeze and permanent opt-out on my consumer file. 
________________________________________ Part 1 : Dispute of Inaccurate Information Description : I am writing to formally dispute inaccurate information contained in my consumer reports from XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). 
The issues pertain to the following : 1. Inaccuracies : Specific inaccuracies in my reports are highlighted in the attached documentation. These inaccuracies affect the accuracy and integrity of my consumer data.

2. Failure to Validate Debt : As per 12 CFR 1006.34 ( c ), there has been a lack of validation for the debts in question. No clear and accurate description of the debts or evidence of contractual obligation has been provided. 
Upon reviewing my consumer reports, I identified the following discrepancy that requires immediate correction : Disputed Account 1 Account Name : US DEPT ED Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name US DEPT ED . 
Disputed Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX  Disputed Account XXXX Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Disputed Account XXXX Account Name : XXXX  XXXX Account Number : XXXX  Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX  XXXX Disputed Account XXXX Account Name : XXXX ( Original Creditor : XXXX AT T ) Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX ( Original Creditor : XXXX AT T ) Disputed Account XXXX Account Name : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Disputed Account XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Disputed Account XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Disputed Account XXXX Account XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Disputed Account XXXX Account Name : XXXX XXXX  Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX Disputed Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : XXXX - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX I request a manual review of this information due to the complexity of the inaccuracies. I have attached highlighted copies of my credit report with the incorrect information clearly marked. Please investigate this matter and remove the inaccurate information from my credit report. Notify me in writing of the results of your investigation and any actions taken. 
Under the FCRA, I am entitled to a thorough and transparent investigation of my dispute. I expect a prompt response to this request. If you fail to provide a detailed description of the investigation process, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.

12 CFR 1006.34 ( c ) : The Consumer Financial Protection Bureau ( CFPB ) has established requirements for the validation of debts. Under this regulation, the debt collector must provide clear and accurate information about the debt, including a detailed description of the nature of the debt and the original creditor. This requirement has not been met in my case. 
Requested Actions : In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXX XXXX XXXX XXXX  XXXX conduct a thorough investigation of my dispute, correct the inaccuracies, and provide me with an updated copy of my XXXXXXXX XXXX XXXX XXXX XXXXXXXX Consumer Disclosure Report once the corrections have been made. 
I respectfully request the following under the Fair Credit Reporting Act ( FCRA ) : 1. Conduct a thorough investigation of this dispute and remove the inaccurate information from my consumer reports. 
2. Provide me with a detailed written statement of the investigation results and any actions taken.

3. Send me an updated copy of my corrected consumer reports.

4. Address the following specific details regarding your investigation : o Methods used to verify the disputed information.

o Sources consulted during the investigation.

o Documentation reviewed to support verification.

o Verification process and criteria used.

o A timeline of the investigation, including key dates and actions taken. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Additionally, I request a description of the procedures used to determine the accuracy and completeness of the disputed information and the contact details of each person consulted regarding this account. Please also provide copies of any documents bearing my signature that establish a legally binding contractual obligation to pay the amount in question. 
Failure to correct these inaccuracies within 30 days, as required under the FCRA, may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies.

Requested Actions : 1. Conduct a thorough investigation of the disputed accounts.

2. Remove the inaccurate information from my credit report.

3. Provide me with a written statement detailing the outcome of your investigation.

4. Send a corrected copy of my credit report to my address above.

5. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

6. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

7. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

8. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

9. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.

Additional Requests : 1. Procedure Description : Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. This should include a detailed explanation of how the reinvestigation was conducted and the specific steps taken. 
XXXX. Contacts : Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. 
XXXX. Documents Bearing Signature : I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay the exact amount claimed. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of the Fair Credit Reporting Act 4. Violations of the Consumer Financial Protection Bureau regulations ________________________________________ Part 2 : Request for Permanent Security Freeze and Opt-Out I also request the following actions to ensure the security and privacy of my consumer data : 1. Place a permanent security freeze on my consumer file to prevent unauthorized access or use of my personal information.

2. Permanently opt me out of all pre-approved credit and insurance offers, marketing campaigns, and data-sharing programs. 
Personal Information for Verification : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX XXXX - XXXX Current Address : XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX, CA. XXXX Phone Number : ( XXXX ) XXXX - XXXX Email Address : XXXX Enclosed are copies of my driver 's license and a utility bill for verification purposes. Please confirm in writing once these actions have been completed or if additional information is required. 
________________________________________ Relevant Laws : 15 U.S.C. 1681e ( b ) : Compliance procedures for maximum possible accuracy.

15 U.S.C. 1681i : Procedures for disputed accuracy.

15 U.S.C. 1681c : Requirements for information in consumer reports.

12 CFR 1006.34 ( c ) : Validation of debt details and original creditor information. 
________________________________________ Thank you for your attention to these matters. I look forward to your response within the timeframes mandated by the FCRA. Please contact me at ( XXXX ) XXXX XXXX or XXXX if you require further clarification. 
Sincerely, XXXX XXXX XXXX ________________________________________ Make sure to customize the placeholders with your details and attach the necessary documentation when sending this letter. Let me know if you need further refinements!

Company response to consumer: Closed with explanation