Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: CA
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, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to formally dispute and request an investigation into multiple violations of relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). The violations detailed below have caused significant distress in my life, affecting my financial well-being and overall peace of mind. 

Unauthorized Inquiries : Creditor : XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX  XXXX, CA XXXX Violation : Reporting incorrect personal information. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXXXXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor XXXX XXXX XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX  Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX  Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Incorrect Personal Information : Incorrect Also Known As Name : XXXX, XXXX, XXXX XXXX, XXXX, A Violation : Reporting incorrect personal information. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX Violation : Reporting incorrect personal information. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXXXXXX XXXX  Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXXXXXX, CA XXXX Violation : Reporting incorrect personal information. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, CA XXXX Violation : Reporting incorrect personal information. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit. 
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 The inaccuracies and unauthorized inquiries detailed above have caused immense distress in my life. Not only have these violations affected my financial well-being and creditworthiness, but they have also taken an emotional toll. As someone who has worked diligently to build a stable financial foundation, the continuous setbacks caused by these violations have been deeply disheartening. 

In light of the violations highlighted, I kindly request the immediate removal of these unverified accounts from my credit report. I urge you to enforce the legal protections outlined by the Fair Credit Reporting Act to ensure fair and accurate reporting of credit information. 

Thank you for your attention to this matter. I am hopeful that your intervention will help rectify these violations and restore my financial peace of mind. 

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