Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against XXXX, Experian, and XXXX regarding erroneous or otherwise inaccurate information appearing on my credit report in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified multiple names that are used to identify me on my credit report which I have not provided written authorization, each one of which I believe is a violation under the law. I only have one name. 

Please note that my name is : [ XXXX XXXX XXXX ] Equifax, Experian, and Transunion have reported inaccurate names on my credit report with no evidence of authorization or approval by me. Under the FCRA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these inaccurate names and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries.

- My Equifax credit report shows XXXX inaccurate name, as I did not formerly go by another name. 
- My Experian credit report shows XXXX inaccurate names. 
- My Transunion credit report shows XXXX inaccurate name, as I am not also known by another name. 

As per the Fair Credit Reporting Act, 15 U.S.C. 1681 section 602, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, Experian, and Transunion, being consumer reporting agencies, and I, as the Consumer, have the right to ensure the non-disclosure of my private information, in accordance with 15 U.S.C. 6801.

Per15 U.S.C. 1681b ( f ), a credit reporting agency may only furnish a consumer report under specific permissible purposes, and any entity requesting my credit report must have my express written consent. The presence of inaccurate names on my credit file constitutes a violation of the FCRA, as I did not provide consent for these entries.

15 U.S.C. 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S.C. 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, Experian, and Transunion are not maintaining reasonable procedures. Finally, 12 C.F.R. 1016.7 states that " A consumer may
exercise the right to opt out at any time. '' I am opting out of reporting all erroneous names on my credit report. There is only one name that I go by as noted above.

Additionally, under 15 U.S.C. 1681n, any person or entity that willfully violates the FCRA is liable for actual damages or statutory damages of up to {$1000.00} per violation. I am requesting financial relief in the amount of {$1000.00} per unauthorized entry. Any inaccurate information on my credit report could be seen as harmful to my credit profile and financial standing.

I am formally requesting the CFPB to investigate Equifax, Experian, and Transunions practices regarding the placement of entries and to take appropriate enforcement action.

I appreciate the CFPBs assistance in addressing this matter and ensuring that Equifax, Experian, and Transunion uphold their legal obligations under the FCRA.