Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to lodge a formal dispute regarding several violations that have severely impacted my financial well-being and personal life. As a concerned consumer, I am seeking your assistance in enforcing the legal rights and protections that are afforded to me under the Fair Credit Reporting Act ( FCRA ). 

Unauthorized Inquiries : Upon reviewing my credit report, I was dismayed to discover a significant number of unauthorized inquiries made by various creditors. These inquiries, made without my knowledge or consent, have led to an undue intrusion into my financial privacy and have caused me significant distress. The unauthorized inquiries infringe upon my rights under FCRA Section 604, which outlines permissible purposes for obtaining consumer credit reports. 

XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELYXXXX XXXX Date of inquiry : XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX Date of inquiry : 03/03/2023 I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELYXXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX XXXX Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX - Date of inquiry XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Incorrect Personal Information : Furthermore, I have identified instances of incorrect personal information that have been reported on my credit profile. This misinformation has tarnished my creditworthiness and has affected my ability to secure favorable financial terms. I believe that the inaccurate personal information breaches the accuracy and integrity standards set forth by FCRA Sections 607 and 611, and necessitates immediate correction. 

P REVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately.XXXXPREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis address belongs to someone else. Delete it from my report immediately. PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately. PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
FCRA Violation - Reporting Accuracy of Bankruptcy Account : Most distressing of all is the potential violation related to the accuracy of a bankruptcy account listed on my credit report. This account inaccurately attributes bankruptcy proceedings to me, damaging my reputation and creating an unjust financial burden. This matter directly implicates FCRA Section 623, as well as 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), highlighting the responsibility of furnishers of information to ensure accurate reporting.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), there is a potential violation related to the reporting accuracy of the bankruptcy account associated with Case Number : XXXX. 
This situation has not only harmed me financially but has also taken a significant toll on my emotional well-being. The constant worry of unauthorized inquiries, coupled with the devastating impact of inaccurate information and the wrongful association with a bankruptcy account, has caused stress, XXXX and sleepless nights. These events have left me feeling helpless and betrayed by a system that is supposed to protect consumers like me. 

Therefore, I implore you to take immediate action to enforce the legal safeguards provided by the FCRA. I respectfully request that the concerned creditors promptly remove the unverified accounts and inquiries from my credit report, restoring my financial reputation and granting me the peace of mind I deserve. 

I understand the vital role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights, and I am grateful for your dedication to ensuring fair and just practices in the financial industry. I kindly ask for your intervention in this matter and look forward to a timely resolution that can bring relief to my life. 

Thank you for your attention to this pressing matter. I await your response and the steps taken to rectify these violations. 

Sincerely, 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