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. (VA)

I, XXXX XXXX, am filing a formal dispute regarding numerous inaccuracies and unauthorized accounts appearing on my credit report with Experian and XXXX. Despite my efforts to resolve these issues directly with the credit bureaus, the discrepancies remain unresolved. This ongoing failure to correct the false information is severely impacting my credit score and financial well-being. I am requesting your immediate intervention to ensure my rights are upheld under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. Incorrect Personal Information My credit report contains multiple incorrect entries of my name and former addresses, which I have never resided at : Incorrect name variations such as XXXX XXXX XXXX XXXX XXXX XXXX 
Incorrect addresses including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the FCRA, I am entitled to an accurate credit report, and these erroneous entries violate FCRA Section 611, which mandates that credit reporting agencies maintain accurate and verifiable information. I have provided evidence that these addresses and name variations do not pertain to me, and they must be removed immediately.

2. Unauthorized Inquiries There are several unauthorized hard inquiries on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize these inquiries, and they are in violation of 15 U.S.C. 1681b, which states that a consumer report can not be obtained without written consent. These inquiries must be removed from my report as they were conducted without my permission, and they continue to harm my credit score.

3. Incorrect Account Information Several accounts on my credit report are either inaccurately reported or unverifiable : XXXX - The status of this account is incorrect, and I am requesting verification of payment history in accordance with FCRA Section 623. 
XXXX XXXX XXXX  - Multiple accounts are reported inaccurately or unverifiably. As per 15 U.S.C. 1692g of the FDCPA, I am requesting validation of these debts, which has not been provided, and the accounts must be removed. 
XXXX XXXX XXXX XXXX  - The reported status of this account is incorrect, and I am seeking removal unless it can be verified according to the provisions of FCRA Section 623. 

4. Failure to Validate Debt Numerous accounts, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have not been validated despite my requests. Under 15 U.S.C. 1692g, I am entitled to a full validation of these debts. The failure to provide validation requires these accounts to be immediately removed from my credit report. 

Legal Basis for My Dispute FCRA Section 611 : Ensures the right to dispute and correct inaccurate or unverifiable information on credit reports. 
FCRA Section 623 : Requires furnishers of information, such as creditors, to provide accurate information and correct or delete incorrect entries. 
15 U.S.C. 1681b : Prohibits unauthorized inquiries into a consumers credit report without their written consent.

15 U.S.C. 1692g : Provides the right to dispute and request validation of debts from debt collectors, requiring that unvalidated debts be removed from credit reports.