Consumer complaint received 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please delete this inquiry immediately XXXX. Validate XXXX XXXXXXXX Account Number : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate XXXX XXXXXXXX Account Number : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate XXXXXXXX XXXX Account XXXX : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate XXXX XXXX XXXX XXXX Account Number : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate XXXX XXXX Account Number : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate XXXX XXXX XXXX Account Number : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate XXXX XXXX XXXX XXXX Account Number : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate XXXX XXXX XXXX XXXX Account Number : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately XXXX. Validate XXXX XXXX XXXX Account Number : XXXX This account is definitely not mine. I attached the copy of my credit report below. Please investigate and delete from my credit file immediately However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 



XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus 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 non-monetary relief