Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against XXXX, XXXX, and Experian for multiple violations of federal laws governing credit reporting and consumer privacy. Specifically, I believe these credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( i ) and 1681i, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6805, the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, and the Privacy Act of 1974, 5 U.S.C. 552a.

1. Violations of the Fair Credit Reporting Act ( FC
RA ) : The FCRA mandates that credit reporting agencies maintain accurate and complete information in consumer reports. Section 15 U.S.C. 1681i places a requirement on these agencies to conduct a reasonable investigation when a dispute is raised by a consumer. Despite my numerous attempts to dispute inaccurate information on my credit reports, I have received no effective responses or resolutions. The inaccurate entries include : - [ Specify inaccuracies XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX These inaccuracies jeopardize the integrity of my credit report and have impacted my creditworthiness adversely.

2. Violations of the Gramm-Leach-Bliley Act ( GLBA ) : The GLBA, specifically 15 U.S.C. 6801-6805, mandates that financial institutions protect consumer privacy. I have discovered unauthorized inquiries on my credit report for which I did not provide consent. This represents a clear violation of my right to control access to my personal financial information.

3. Violations of the Fair Credit Billing Act ( FCBA ) : I believe the actions of these credit bureaus also infringe upon my rights under 15 U.S.C. 1666b, as they have failed to provide proper procedures for disputing billing errors. My written requests and disputes have gone unanswered, violating my rights under this act.

4. Violations of the Privacy Act of 1974 : Under the Privacy Act, 5 U.S.C. 552a, I have the right to know what personal information is being collected about me and to whom it is being disclosed. I have been unsuccessful in obtaining this information, especially concerning unauthorized inquiries.

5. Section 1681a ( 2 ) ( I ) : Section 15 U.S.C. 1681a ( 2 ) ( I ) concerns the transactions and experiences commonly used in credit reports. The inaccuracies reported suggest a failure in this area, further undermining my trust in the credit reporting process.

I expect these agencies to adhere strictly to the provisions of the FCRA and other relevant laws, ensuring they provide accurate, complete, and timely information to consumers. I ask the Consumer Financial Protection Bureau to investigate these matters thoroughly and hold these credit bureaus accountable for their actions.

Thank you for your attention to this significant issue. I look forward to your prompt action in resolving my complaints and restoring the accuracy and integrity of my credit reports.

I hope this letter finds you well. I am writing to formally request your assistance regarding serious discrepancies found in my credit report. After obtaining a copy of my credit report, I discovered numerous unauthorized inquiries, as well as variations of my name and outdated addresses associated with my report.

Despite my efforts to resolve these issues by sending multiple letters to the credit reporting agencies, I have yet to receive a satisfactory response or resolution. These inaccuracies not only affect my creditworthiness but also represent a significant source of stress and concern.

Specifically, I would like to outline the issues I am experiencing : 1. Numerous unauthorized inquiries that I did not authorize.

2. Variations of my name that do not accurately reflect my legal name.

3. Outdated addresses that should no longer be associated with my credit report.

I believe that these errors may be contributing to a negative impact on my credit score and overall financial history. I kindly request your support in facilitating the correction of these inaccuracies and in assisting me with the removal of the unauthorized inquiries.

Enclosed are copies of the relevant documentation I have previously sent to the credit reporting agencies, as well as copies of my credit report highlighting the discrepancies. 




XXXX XXXX XXXXXXXX Experian XXXX XXXX Experian XXXX Account XXXX XXXX XXXX XXXX High Balance {$410.00} {$0.00} {$410.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$410.00} {$410.00} {$410.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type General Clothing Store General Clothing Store General Clothing Store Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by credit grantor. 
Charged off account Accounts closed by credit grantor Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$410.00} {$410.00} {$410.00} Account Type Charge account Charge account Payment Frequency Credit Limit {$100.00} {$100.00} {$0.00} XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$400.00} {$0.00} {$200.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$200.00} {$200.00} {$200.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Miscellaneous Banks Bank Credit Cards All Banks Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Credit card Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$200.00} {$200.00} {$200.00} Account Type Credit Card Credit Card Credit Card Payment Frequency Credit Limit {$200.00} {$200.00} XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$37000.00} {$37000.00} {$37000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$33000.00} {$34000.00} {$33000.00} Closed Date -- -- -- Account Rating Open Open Open Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Miscellaneous Finance Auto Financing Auto Financing Account Status Open Open Open Payment Status Current Late 30 Days Current Creditor Remarks Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes after resolution Auto Original Creditor -- -- -- Payment Amount {$820.00} {$820.00} {$820.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 73 Month ( XXXX ) 73 Month ( XXXX ) -- Past Due Amount {$0.00} {$820.00} {$0.00} Account Type Auto Loan Auto Loan Auto Loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} $ XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$2500.00} {$2500.00} {$2500.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$0.00} {$0.00} {$0.00} Closed Date XX/XX/XXXX -- -- Account Rating Closed Paid Paid Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Commercial Banks All Banks All Banks Account Status Closed Closed Closed Payment Status Late 60 Days Late 60 Days Late 60 Days Creditor Remarks Closed -- Closed or paid account/zero balance Secured Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 120 Month ( XXXX ) 120 Month ( XXXX ) 120 Month ( XXXX ) Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Secured loan Secured loan Secured loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account XXXX XXXX XXXX XXXX High Balance {$520.00} {$520.00} {$520.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX -- Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$0.00} {$0.00} {$0.00} Closed Date XX/XX/XXXX -- -- Account Rating Closed Paid Paid Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Miscellaneous Banks All Banks All Banks Account Status Closed Closed Closed Payment Status Current Current Current Creditor Remarks Closed Account paid by collateral. 
Closed or paid account/zero balance Secured Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX -- Term Length 24 Month ( XXXX ) 24 Month ( XXXX ) -- Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Secured loan Secured loan Secured loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00} XXXX Filters XXXX Experian XXXX XXXX Experian XXXX Account XXXX XXXX XXXX XXXX High Balance {$4100.00} {$4100.00} {$0.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$3600.00} {$3600.00} {$3600.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Furniture and Home/Office Funishings Stores Complete Department Stores - Clothing Complete Department Stores - Clothing Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Charged off account Installment sales contract Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 20 Month ( XXXX ) 20 Month ( XXXX ) 20 Month ( XXXX ) Past Due Amount {$3600.00} {$0.00} {$3600.00} Account Type Installment sales contract Installment sales contract Installment sales contract Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX Account # XXXX XXXX XXXX High Balance {$37000.00} {$37000.00} {$37000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$33000.00} {$34000.00} {$33000.00} Closed Date -- -- -- Account Rating Open Open Open Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Miscellaneous Finance Auto Financing Auto Financing Account Status Open Open Open Payment Status Current Late 30 Days Current Creditor Remarks Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes after resolution Auto Original Creditor -- -- -- Payment Amount {$820.00} {$820.00} {$820.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 73 Month ( XXXX ) 73 Month ( XXXX ) -- Past Due Amount {$0.00} {$820.00} {$0.00} Account Type Auto Loan Auto Loan Auto Loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00}