Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

I am writing to request your immediate assistance in addressing inaccurate information and unauthorized inquiries that remain on my credit reports despite my repeated disputes with XXXX, Experian, and XXXX. These credit reporting agencies have failed to provide the necessary reinvestigations and updated credit reports in compliance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 USC 1681i ( a ) ( XXXX ) ( A ), which mandates a reasonable reinvestigation of disputed information. I am also invoking XXXX XXXX compliance standards to demand the correction and removal of these inaccuracies. 

XXXX Disputes : XXXX. Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX Former Name : XXXX XXXX XXXX. Unauthorized Inquiries : XXXX XXXX  ( Date of inquiry : XX/XX/XXXX ) Not authorized. 
XXXX. Accounts Requiring Investigation and Removal : XXXX XXXX XXXX Account Number : XXXX ) No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX  ( Account Number : XXXX ) No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX  ( Account Number : XXXX ) No description of reinvestigation provided per 15 USC 1681i ( XXXX ) ( XXXX ) ( A ). 
XXXX ( Account Number : XXXX ) No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX  ( Account Number : XXXX ) No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX ( Account Number : XXXX ) No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 

Experian Disputes : XXXX. Inaccurate Personal Information : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Previous Address : XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XX/XX/XXXX ). 
XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not authorized. 
XXXX. Accounts Requiring Investigation and Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No description of reinvestigation provided per 15 USC 1681i ( XXXX ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 

XXXX Disputes : XXXX. Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not authorized. 
XXXX. Accounts Requiring Investigation and Removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No description of reinvestigation provided per 15 USC 1681i ( XXXX ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No description of reinvestigation provided per 15 USC 1681i ( a ) ( XXXX ) ( A ). 

Violations of 15 USC 1681i ( a ) ( XXXX ) ( A ) : Under 15 USC 1681i ( a ) ( XXXX ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Despite my repeated requests, XXXX, Experian, and XXXX have failed to provide the required documentation, descriptions of their reinvestigation procedures, or outline the parties they communicated with during the investigations. 

XXXX XXXX Compliance Violations : In addition to FCRA violations, these inaccurate reports also violate XXXX XXXX compliance standards. XXXX XXXX, which governs the accuracy, consistency, and completeness of information reported to credit bureaus, mandates that data be correctly formatted and verifiable. Many of the above-mentioned accounts do not meet these standards, as the information reported is either incorrect or inconsistent across bureaus. 

My Request : I respectfully demand : XXXX. The immediate removal of all inaccurate personal information, unauthorized inquiries, and unverifiable accounts listed above. 
XXXX. A detailed reinvestigation procedure as required by 15 USC 1681i ( a ) ( XXXX ) ( A ). 
XXXX. Updated credit reports from each bureau, reflecting the removal of these inaccuracies. 
XXXX. A full outline of the investigation, including the individuals or institutions the credit reporting agencies contacted. 

I am requesting that the CFPB enforce my rights under the FCRA and hold XXXX, Experian, and XXXX accountable for their failure to comply with these laws. Failure to do so will result in further legal action, as the FCRA permits compensation of up to {$1000.00} per violation, in addition to legal fees. 

Thank you for your attention to this matter. I look forward to your prompt action.