Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, hereby authorize this dispute. It is important to note that this dispute was not sent by an unauthorized third party or " credit clinic. '' I am writing to address several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred, which require your immediate attention and resolution. The violations are as follows : FCRA Section 607 ( a ) ( 4 ) - Consumer Right to Privacy : You are reporting fraudulent accounts on my credit report that do not belong to me, thus infringing upon my privacy rights. I have the sole authority to determine what information should be considered private. I insist that my hard inquiries and account information not be shared on my credit report. 
FCRA Section 623 ( a ) ( 2 ) - Misleading False Reporting : The information you are reporting falsely suggests that I applied for multiple inquiries and accounts, when in reality, these were the result of a scammer 's actions. Such false reporting misleads future creditors. By reporting these unverified items, you violate the Fair Credit Reporting Act ( FCRA ) and fail to comply with its fairness requirements. 
FCRA Section 616 - Civil Liability for Willful Noncompliance : You accepted credit information about me without verifying its accuracy firsthand. This willful noncompliance is punishable by civil liability of up to {$1000.00} per violation. 
https : XXXX XX/XX/year>, XXXX XXXX  Page XXXX of XXXX FCRA Section 605B - Aggravated Identity Theft : You shared my personal information with numerous creditors without obtaining my consent, making you criminally liable for aggravated identity theft, which carries a penalty of up to XXXX  years of imprisonment. 
FCRA Section 603 ( d ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information : You failed to disclose my right to opt out of sharing my personal information. This omission was deceptive and a violation of my consumer rights. 
FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms : You furnished inaccurate inquiries and accounts without proper validation, potentially violating Generally Accepted Accounting Principles ( GAAP ). Reporting such inaccurate information is deceptive. 
Violation of Debt Collection Practices Act : You engaged in unfair practices and harassment by reporting inaccurate debts and accounts without my consent, causing me distress and unnecessary contact from creditors. 
Violation of Identity Theft Laws : Creditors obtained my information without my true consent and used it to obtain credit from other financial institutions, constituting identity theft. 
Violation of Acquiring Location Information Regulations : Debt collectors contacted third- party credit reporting agencies with my information, stating that I owed a " debt. '' This is a clear violation of regulations that prohibit disclosing debt information to third parties. 
Violation of Timely Payments Regulations : You reported " late payments '' on my credit report without defining what constitutes a late payment, which is deceptive and inaccurate. 
Violation of Finance Charge Determination : You failed to accurately determine finance charges, which is your responsibility as a credit reporting agency. 
Violation of Credit Report Permissible Purposes : You reported information on my credit report without obtaining my written consent, which is a violation of the permissible purposes outlined in the Fair Credit Reporting Act ( FCRA ).