Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E  FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 20. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 21. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 22. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 23. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/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