Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Privacy Violation and Inaccurate Information on My Credit Report Remove negative accounts XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name DEPT OF ED/XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX DEPT OF ED/XXXX Account Number XXXX I hope this letter finds you in good health. I am writing to address a matter of utmost importance concerning my personal credit report. I, XXXX XXXX, an attorney by profession, have recently discovered privacy violations and inaccuracies on my credit report provided by your agency, which have raised serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 

**Privacy Violation : ** Upon reviewing my credit report, I observed that certain unauthorized entities have accessed my credit information without my consent. As an attorney, safeguarding the privacy of my personal information is of paramount importance, and I am deeply troubled by these violations. The FCRA and associated regulations explicitly mandate that consumer credit reports may only be accessed for permissible purposes, requiring written consent in most cases. These unauthorized inquiries infringe upon my privacy rights and raise questions about the security of my personal data.

**Inaccurate Information : ** Furthermore, my credit report contains inaccurate and misleading information that is detrimental to my financial standing and professional reputation. These inaccuracies include erroneous late payment reports and inaccurately reported outstanding debts. Such discrepancies have the potential to harm my creditworthiness and hinder my ability to secure loans, credit lines, and other financial opportunities crucial to both my personal and professional life. Under the FCRA, credit reporting agencies are obligated to ensure the accuracy of the information they maintain, which I believe is not reflected in my current credit report. 

I kindly request that you take immediate action to rectify these issues. Specifically, I request the following : 1. A thorough and expedited investigation into the unauthorized inquiries on my credit report, leading to the identification of those responsible for the privacy violations.

2. The immediate removal of any unauthorized inquiries from my credit report.

3. A comprehensive review of the inaccuracies in my credit report, including the prompt correction or deletion of any inaccurate or misleading information. 

4. A detailed response outlining the steps taken to investigate and rectify these issues within 14 business days from the date of this letter.

Failure to address these concerns promptly and in accordance with the FCRA and applicable laws may compel me to seek legal remedies to protect my rights and interests. As an attorney, I am well-versed in the rights afforded to consumers under the FCRA and will not hesitate to pursue appropriate legal action should it become necessary.

I trust that [ Credit Reporting Agency 's Name ] will treat this matter with the utmost seriousness and urgency it demands. Your cooperation in resolving these issues promptly and ensuring the accuracy and privacy of my credit report is appreciated. 

Please acknowledge receipt of this letter within [ reasonable time frame, e.g., 5 business days ] and provide a clear timeline for resolution. Your immediate attention to this matter is crucial to safeguarding my privacy and financial well-being. 

Sincerely, XXXX 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