Consumer complaint received 2024-09-29
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. (GA)

Dear Sir/Madam, I am writing to formally notify you of fraudulent accounts, unauthorized credit inquiries, and the illegal use of my personal information that have appeared on my credit reports. I demand immediate action to remove these items as they are in clear violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable laws. 

XXXX. XXXX Account Someone fraudulently walked into a XXXX location and purchased a vehicle in my name. This account has been charged off, and XXXX has already been compensated by the government. As such, this account must be immediately updated to reflect Paid in Full or completely removed from my credit reports. Your failure to act on this matter is causing severe financial and emotional distress, impeding my ability to secure approval for credit. According to Section 611 of the FCRA, credit bureaus must promptly remove inaccuracies after investigation. 

XXXX. XXXX XXXX This account is also being reported inaccurately. I demand that it be updated to Paid in Full or removed entirely. The incorrect reporting of this account is contributing to my financial struggles, and it is essential that this is rectified immediately. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has illegally stolen my private information and is reporting on my credit without my authorization or consent. I have never had any contract or agreement with this company, making their actions illegal and in violation of the FDCPA and Section 605B of the FCRA, which prohibits the reporting of inaccurate and unauthorized information resulting from identity theft. I demand that you immediately remove any entries related to XXXX XXXX XXXX from my credit profile, as this is a clear breach of my rights. 

XXXX. Unauthorized Credit Inquiries The following inquiries were made without my consent and must be removed immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These inquiries were made fraudulently and without my authorization. According to Section 604 of the FCRA, credit inquiries must have the explicit consent of the consumer. None of these inquiries were authorized, and they are damaging my credit standing.

Legal Violations and Obligations : Under Section 605B of the FCRA, you are obligated to block and remove any information resulting from identity theft.

Section 623 ( a ) ( 8 ) of the FCRA mandates that credit bureaus investigate and correct information found to be inaccurate or incomplete.

Section 611 of the FCRA requires credit reporting agencies to correct or delete inaccurate information after investigation. 
The Fair Debt Collection Practices Act ( FDCPA ) also prohibits any company from unlawfully collecting or reporting debt that was not authorized. 

This is my formal and final demand for the removal of these fraudulent accounts, inquiries, and unauthorized entries. I have filed complaints with the FTC and CFPB, and your agencies are violating my rights by continuing to allow these inaccuracies to remain. You are putting my life and financial well-being at risk. I demand these actions be completed within XXXX hours of receiving this letter. 

Please provide me with a written confirmation once these actions have been completed, along with an updated copy of my credit report. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX