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. (TX)

I, XXXX XXXX, am filing a formal dispute regarding multiple inaccuracies on my credit reports with XXXX, Experian, and XXXX. These inaccuracies include incorrect personal information, unauthorized hard inquiries, and unverifiable debts that continue to harm mXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd to take corrective action. I am now seeking your 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 reports contain incorrect address information : Current Address : Incorrectly listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Previous Address : Incorrectly listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to maintain accurate information on my credit report. These addresses are completely irrelevant to me, and I demand their immediate removal. 

XXXX. Unauthorized Inquiries There are several unauthorized hard inquiries on my credit report : XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX These inquiries were not authorized by me and are in clear violation of 15 U.S. Code 1681b, which requires written consent for accessing a consumers credit report. These unauthorized inquiries must be deleted immediately. 

XXXX. Unverifiable and Misreported Accounts Several accounts on my credit report are either unverifiable or inaccurately reported : XXXX XXXX XXXX Account Number : XXXX Under 15 U.S.C. 1692g, I requested validation of this debt, which has not been provided. This account must be removed from my credit report immediately. 
XXXX XXXX XXXX Account XXXX : XXXX This account includes false or misleading payment history information. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) mandates that furnishers of information must report accurate information. The payment history for this account is inaccurate, and I demand that you verify it with the creditor and correct any discrepancies. 
XXXX  XXXX XXXX Account XXXX : XXXX This account has not been properly validated under 15 U.S.C. 1692g. I request its immediate removal, and any attempt to verify this account without appropriate documentation must be backed by a full method of investigation, including all correspondence. 

XXXX. Violations of Billing Errors ( TILA 15 U.S.C. 1666 ( b ) ) Additionally, I have identified several billing errors, specifically with : XXXX XXXX  Account XXXX : XXXX This account has been marked with late payments without proper notification or reflection of the payment made. Under 15 U.S.C. 1666 ( b ) ( Truth in Lending Act - TILA ), creditors are required to issue correct billing statements and can not impose late payment penalties without issuing a notice 21 days before the due date. This account should reflect Paid As Agreed. 
XXXX XXXX XXXX  Account XXXX : XXXX Similar billing errors occurred with this account. This account is in violation of TILA 15 U.S.C. 1666 ( b ) and should reflect Paid As Agreed. 

Both accounts must be updated immediately, and failure to comply will result in legal action under 15 U.S.C. 1681n, which allows for civil liability and compensation for non-compliance with the FCRA. 

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. 
15 U.S.C. 1681b : Prohibits unauthorized access or inquiries into a consumers credit report without their consent. 
15 U.S.C. 1692g : Entitles consumers to request validation of debts, and unvalidated debts must be removed. 
15 U.S.C. 1692e : Prohibits false or misleading representations by creditors or debt collectors.

TILA ( 15 U.S.C. 1666 ( b ) ) : Mandates that creditors reflect accurate payments and resolve billing errors. 
15 U.S.C. 1681n : Provides civil liability for willful violations of the FCRA.