Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my last report " I was looking at my credit report for the first time in a long time and I was surprised to see many many unauthorized inquiries. I am not a credit person. I dont know how there could be that many inquiries under my name. I sent in a letter to experian, XXXX, and XXXX regarding inaccurate information on my account already but they only removed some information. I had no luck with all the other unauthorized and inaccurate info listed on my credit profiles. These are the unauthorized inquiries that I saw XXXX reporting... XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX On my XXXX report I saw an inaccurate inquiry from... US DEPARTMENT OF EDU XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX I also noticed some accounts from XXXX XXXX XXXX on my report which I did not open or use. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! The presence of inaccurate information such as the unauthorized XXXX XXXX account seen on my credit report is adversely affecting and impeding my ability to obtain necessary credit. Please close and delete any accounts associated with XXXX XXXX  XXXX because it is not mine! All this inaccurate information should not be linked to my credit report anymore and is 100 % inaccurate. Again, credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! The presence of inaccurate information on my credit report is adversely affecting and impeding my ability to obtain necessary credit. Please remove this information off my credit report. If not, I am requesting that an investigation be launched as according to Federal FCRA LAWS. I am in utter disagreement with mentioned accounts, inquiries, late payments on my credit report. If an investigation is launched, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and businesses addresses of each individual with whom you verified the informations with so that I can follow up. Please foward me an updated credit report after any corrections. I really appreciate your help through this situation of mine. Here below I have my report number for my IDENTITYTHEFT.GOV report. I also included the identity theft government report in my attached files at the bottom of this report. XXXX My report with the XXXX XXXX XXXX XXXX XXXX XXXX  is also in the process of filing. After calling and speaking with representative after representative and not being able to fix my problem, I am frustrated and done. Ive now sent letters to investigate the inaccurate information directly to the 3 major credit bureaus as well. Please help me resolve my credit report and make sure everything is correctly reported as according to federal FCRA Laws. Thank you so much. '' I recently sent this letter to the bureau to request investigation information again, after they did not provide it when I asked the first time. In this letter I also requested they re-investigate the disputed account and come back with proof of it. Here it is below, " Request for Past Personal Information to Be Removed From My Credit Report Instructions USPS certified mail ( addresses below ) : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Keep a record of the time stamped USPS certified mail being delivered. 


Date : XX/XX/XXXX Name : XXXX XXXX Phone : XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX SS # : XXXX Credit Bureau Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX Please note that this letter has been sent by certified mail. 

Request to Investigate and delete Inaccurate Information and Inaccurate Derogatory Account Dear Sir/Madam, Based on my most recent credit report, your company, XXXX XXXX XXXX , is still publishing an inaccurate XXXXXXXX XXXX  credit card account / chargeoff on my profile which is not mine! 

Please launch a re-investigation on this item and help me fix this error on my profile. I have been back and forth with you guys furnishing bad and inaccurate information on my credit report and I am done. Please help me fix this. 




XXXX Account # XXXX Credit Card Individual Derogatory Date Opened : XX/XX/XXXX Balance : XXXX Payment Status : Collection/Chargeoff Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On top of the item not being mine to begin with, it is inaccurate! I noticed these inaccuracies above just off looking at my report for 15 seconds!

Please follow proper credit laws and launch an re-investigation for me on this inaccurate item. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up with them.

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section E ( Duty of person after receiving notice of dispute ), you need to ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ALongside that, according to the FCRAs section 609, the burden to provide proof of this account is placed on you guys. If your investigation does not come back with original documentation with signature to confirm the debt, it is necessary that you guys remove it from my profile.

My report number for my report with the Federal Trade Commission or identitytheft.gov is below.

On top of that, i have went through the Consumer Financial Protection Bureau and filed a report with them to look over this entire process. 

XXXX I will also make necessary contact with the XXXX XXXX XXXX  and the Attorneys General to pursue legal action if you guys continue to not follow proper credit reporting laws. The presence of this inquiry and derogatory account is adversely affecting my credit r
eport and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within 30 days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry from my report. I also request a description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this re-investigation. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well and is due to be provided within 15 days of the completion of your re-investigation. 



Thank you respectfully. Seriously, thank you. 

XXXX XXXX '' Please help me get this fraudulent account off my credit file. It has affected my life for way too long now.

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