Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Subject : Formal Dispute and Request for Removal of Unauthorized Inquiries and Incorrect Collections Due to Identity Theft Dear Sir or Madam, I am writing to formally dispute and request the removal of certain unauthorized inquiries and inaccurate collections from my credit report. I believe these entries violate federal credit reporting laws, including the Fair Credit Reporting Act ( FCRA ), due to unauthorized inquiries, incorrect information, and the inclusion of fraudulent collections related to identity theft. 

1. Unauthorized Credit Inquiries The following inquiries were made on my credit report without my knowledge or consent, which is a violation of the FCRA, specifically 15 U.S.C. 1681b. This law governs permissible purposes for pulling consumer reports. As I did not apply for credit or authorize these inquiries, I demand their immediate removal from my credit report : 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 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 As per the FCRA, only authorized inquiries can be included on my credit report. I never gave my consent for these companies to pull my credit, and therefore, these inquiries must be removed immediately.

2. Incorrect Collections Due to Identity Theft and Reporting Errors Additionally, the following collection accounts listed on my credit report are not mine, are the result of identity theft, and/or contain incorrect information : 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 These accounts are closed, and their inclusion on my credit report is a violation of my rights under the FCRA ( 15 U.S.C. 1681c ) and the Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, inaccurate or unverifiable information must be corrected or removed from a consumer 's credit report within 30 days. I am the victim of identity theft and have attached a copy of my Identity Theft Report for your reference.

Request for Immediate Action I respectfully request the following actions : Remove all the unauthorized inquiries listed above from my credit report. 
Delete the incorrect collection accounts mentioned above from my credit report. 
Provide written confirmation of the removal of these inquiries and collections within 30 days as required by law. 
Failure to correct these inaccuracies will leave me no choice but to pursue further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action. 

Please treat this letter as my formal dispute under the FCRA. I expect prompt and accurate attention to this matter and look forward to your timely response. 

Thank you for your immediate attention to this serious issue. Should you require additional documentation, I am happy to provide it.