Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I, XXXX XXXX, am submitting a formal complaint regarding multiple inaccuracies and violations on my credit reports with XXXX, Experian, and XXXX. These violations include unauthorized hard inquiries, incorrect personal information, and unverified debts. Despite previous efforts to resolve these matters directly with the credit bureaus, these issues persist and continue to harm my credit profile. I am requesting your immediate intervention to enforce my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

1. Incorrect Personal Information My credit reports contain several incorrect personal details, including name variations and previous addresses, which are not associated with me : Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, XXXX, AR XXXX These entries violate FCRA Section 611 ( a ) ( 1 ) ( A ), which mandates that consumer reporting agencies maintain accurate and complete information. These inaccuracies are damaging my credit report and must be removed immediately.

2. Unauthorized Inquiries There are several unauthorized hard inquiries on my credit report that I did not authorize, violating 15 U.S. Code 1681b, which requires written consent for any inquiries made on a consumers report. The following inquiries must be deleted immediately : XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX - Inquiry dates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - Inquiry XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  ( XXXX XXXX XXXX  ) - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date XXXX XX/XX/XXXX I demand the removal of these inquiries, as I did not authorize them in any capacity. Failing to do so will result in further legal action. 

XXXX. Unverifiable and Inaccurate Accounts The following accounts are reported inaccurately or unverifiably, violating my rights under 15 U.S.C. 1692g ( FDCPA ) and FCRA Section 623 : XXXX XXXX XXXX XXXX Account Number : XXXX  I never authorized this account to be reported on my credit. Under FCRA Section 611 ( a ) ( 1 ) ( A ), this account must be removed unless fully validated, including a complete method of investigationXXXX XXXX XXXX XXXX XXXX Account Number : XXXX  This debt is unverified and has not been properly validated under 15 U.S.C. 1692g. I demand immediate removal, and if you attempt to verify it, I request the full method of investigation, including all correspondence and verification details.

4. Violation of Billing Errors ( TILA 15 U.S.C. 1666 ( b ) ) Additionally, multiple billing errors on my credit report, including those from XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, have resulted in improper reporting of my payment status. Under TILA ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately reflect payments, and these errors must be corrected to show Paid As Agreed.

Legal Basis for My Dispute FCRA Section 611 ( a ) ( 1 ) ( A ) : Ensures that inaccurate or unverifiable information on consumer reports is corrected or deleted.

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 by the consumer.

15 U.S.C. 1681b : Prohibits unauthorized access or inquiries into a consumers credit report without express written consent.

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

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

TILA ( 15 U.S.C. 1666 ( b ) ) : Mandates accurate billing and the correction of billing errors.

15 U.S.C. 1681n : Provides civil liability for willful non-compliance with the FCRA, including statutory damages for each violation.