Consumer complaint received 2024-10-28
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. (FL)

To whom it May concern : Eliminate the following checkpoints, alerts, and alias name variations & address variations on files that are incorrectly maintained on my credit report. Obviously, these are typographical errors or mistakes and can make the credit report look like I am involved in fraud. 

The only information that should appear in my report is the correction information in this letter and it is as follows : My correct name is : XXXX XXXX My only correct address is : XXXX XXXX XXXX XXXX, FL XXXX Please remove other incorrect addresses from my credit report immediately. 
My correct phone number is : XXXX Please make these corrections and send me a copy of my updated report for my records. Also, provide the names, addresses, and phone numbers of the companies that caused these errors so you can follow up. 

Please I need my full credit report as required by the Fair Credit Reporting Act. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. 

The following account has errors and is presenting incorrect and inaccurate information. 

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX Fraudulent account number : XXXX Fraudulent balance : {$260.00} Fraudulent original creditor name : Progressive This account is an identity theft and was opened without my authorization. 
This account is not mine. 
I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 
Please delete this account immediately as required by the Fair Credit Reporting Act XXXX XXXX. 

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX XXXX Fraudulent account number : XXXX Fraudulent original creditor name : XXXX XXXX XXXX XXXX Fraudulent balance : {$2800.00} This account is an identity theft and was opened without my authorization. 
This account is not mine. 
I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

Please delete this account immediately as r
equired by the Fair Credit Reporting Act Seccion 609e.

The following account is the result of identity theft. 
Fraudulent account name : XXXX & XXXX Fraudulent account number : XXXX  Fraudulent original creditor name : XXXX  Fraudulent balance : {$400.00} This account is an identity theft and was opened without my authorization. 
This account is not mine. 
I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 
Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX XXXX XXXX Fraudulent account number : XXXX  Fraudulent original creditor name : XXXX Fraudulent balance : {$220.00} This account is an identity theft and was opened without my authorization. 
This account is not mine. 
I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e.

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX account number : XXXX  Fraudulent balance : {$0.00} This account is an identity theft and was opened without my authorization. 
This account is not mine. 
I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e. 

The following account is the result of identity theft. 
Fraudulent account name : XXXX XXXX account number : XXXX  Fraudulent balance : {$0.00} This account is an identity theft and was opened without my authorization. 
This account is not mine. 
I have never had any kind of commercial relationship with this company. 
I do not understand how this account can be associated with my name and social security, this account does not belong to me, I have never authorized the opening of this account, I have not authorized third parties to make transactions on my behalf, much less reach an of course, payment arrears. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification.

Please delete this account immediately as required by the Fair Credit Reporting Act Seccion 609e. 


The following account is presenting incorrect and inaccurate information. 
Account name : XXXX Account number : XXXX There is an error in the way this account is being reported. The correct status of this account is paid as agreed. This account is not a repossession. 
This account has been paid correctly as agreed and has never have late payments. 
Please remove the incorrect late payment information from my credit report. 
This account is incorrectly reporting late payments please remove this inaccurate information. 
The correct status of this account is close and is paid as agreed.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 

The following account is presenting incorrect and inaccurate information. 
Account name : XXXX  XXXX Account number : XXXX This account is reporting inaccurate and incorrect balance information. Correct balance XXXX. 
This account has been paid correctly as agreed and has never have late payments. 
Please remove the incorrect late payment information from my credit report. 
This account is incorrectly reporting late payments ( 30 Days ) please remove this inaccurate information. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 

The following account is presenting incorrect and inaccurate information. 
Account name : XXXX Account number : XXXX This account has been paid correctly as agreed and has never have late payments. 
Incorrect and inaccurate information is being reported in remarks : as this account was closed at the customer 's request.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

The following account is presenting incorrect and inaccurate information. 
Account name : XXXX Account number : XXXX This account is reporting inaccurate and incorrect balance information. Correct balance XXXX. 
This account has been paid correctly as agreed and has never have late payments. 
Please remove the incorrect late payment information from my credit report.

This account is incorrectly reporting late payments ( 30 and 60 Days ) please remove this inaccurate information.

Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 

The following account is presenting incorrect and inaccurate information. 
Account name : XXXX  XXXX XXXX Account number : XXXX  This account is close. 
This account has been paid correctly as agreed and has never have late payments. 
Please remove the incorrect late payment information from my credit report. 
This account is incorrectly reporting late payments please remove this inaccurate information. 
The correct status of this account is open. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.

The following inquiries have not been authorized by me, please delete the following information : Financial Institution : XXXX Inquiry Date : Inquiry : XXXX XXXX, XXXX I have not authorized this transaction, please delete from my credit report. 

Financial Institution : XXXX Inquiry Date : Inquiry : XXXX XXXX, XXXX I have not authorized this transaction, please delete from my credit report. 

Financial Institution : XXXX Inquiry Date : Inquiry : XX/XX/XXXX I have not authorized this transaction, please delete from my credit report. 

Financial Institution : XXXX  XXXX Inquiry Date : Inquiry : XXXX XXXX, XXXX I have not authorized this transaction, please delete from my credit report. 

Financial Institution : XXXX  Inquiry Date : Inquiry : XXXX XXXX, XXXX I have not authorized this transaction, please delete from my credit report. 

Financial Institution : XXXX XXXX XXXX XXXX : Inquiry : XXXX XXXX, XXXX I have not authorized this transaction, please delete from my credit report. 

Financial Institution : XXXX Inquiry Date : Inquiry : XXXX XXXX, XXXX I have not authorized this transaction, please delete from my credit report. 


Please delete all inquiries that can not be validated with my signature. I do not recognize many of the inquiries that are being reported on my credit bureau. 
I am disputing the manner in which this account is reporting. Under section 1681j of the FCRA, investigate this account free of charge. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-oscar, or any other means of automated verification. 

Please delete any prior addresses and different names from my credit file other than those presented in this letter. This is important to me. 

Your immediate attention to this matter is greatly appreciated. Please send me a copy of my updated credit report as soon as your investigation is complete. 

After the investigation is complete, please remove the comments in dispute by consumer. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX : Counsel : XXXX for inclusion to XXXX, XXXX, XXXX, XXXX XXXX XXXX