Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I, XXXX XXXX, am filing this formal complaint regarding multiple inaccuracies on my credit reports with XXXX, Experian, and XXXX. Despite multiple efforts to resolve these inaccuracies directly with the credit bureaus, they continue to report incorrect information, unauthorized hard inquiries, and unverified accounts. This has severely impacted my credit profile, and I am now requesting your immediate intervention to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Incorrect Personal Information My credit report contains several incorrect personal details, including invalid name variations and previous addresses : Incorrect Name Variations : XXXX XXXX XXXX ( Excessive variations, incorrect ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX These entries violate FCRA Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies maintain accurate and verifiable information. I have never lived at these addresses, and the invalid name variations have never been legally recognized. I demand the immediate removal of these inaccuracies. 

2. Unauthorized Inquiries Several unauthorized inquiries have been listed on my credit report, which were made without my explicit consent. Under 15 U.S. Code 1681b, a consumers report can only be accessed with written permission, and I have never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have negatively impacted my credit score and must be removed immediately, as they violate 15 U.S.C. 1681b by accessing my report without authorization.

3. Unverified Accounts and Incorrect Reporting Several accounts on my credit report are either unverifiable or reported incorrectly, violating both FCRA Section 623 and FDCPA Section 809 : XXXX XXXX XXXX  Account Number : XXXX This account has not been validated in accordance with 15 U.S.C. 1692g, and I demand its immediate removal. Any attempt to verify this account must be accompanied by a detailed method of investigation, as mandated by FCRA Section 611 ( a ) ( 7 ). 
XXXX XXXX Account XXXX : XXXX This account remains unverifiable despite repeated requests for validation under 15 U.S.C. 1692g. It must be removed immediately from my credit report. 
XXXX XXXX XXXX Account XXXX : XXXX The payment history for this account is reported inaccurately. Under FCRA Section 623 ( 15 U.S. Code 1681s-2 ), furnishers of information must report accurate information. This account must either be verified correctly or removed from my report. 
XXXX XXXX XXXX Account XXXX : XXXX This account is unverifiable under 15 U.S.C. 1692g, and it must be removed immediately. 
XXXX XXXX XXXX Account XXXX : XXXX This account has not been validated and must be removed under 15 U.S.C . 1692g. 
XXXX XXXX Account XXXX : XXXX This account must be removed due to its unverifiable status under 15 U.S.C . 1692g, and I demand immediate deletion from my credit report.

Legal Basis for My Dispute FCRA Section 611 ( a ) ( 1 ) ( A ) : Ensures the right to dispute and correct inaccurate or unverifiable information on credit reports. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Requires furnishers of information, such as creditors, to provide accurate information and correct errors when notified. 
15 U.S.C. 1681b : Prohibits unauthorized access to a consumers credit report without express written consent.

15 U.S.C. 1692g : Entitles consumers to request validation of debts, and any unvalidated debts must be removed from credit reports.

15 U.S.C. 1692e : Prohibits false or misleading representations by creditors or debt collectors.