Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to bring to your attention a matter of grave concern regarding the improper use of my credit report by several consumer reporting agencies, namely Experian, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. It has come to my attention that these agencies have inaccurately reported information on my credit report, which has adversely affected my financial standing and overall creditworthiness. 

As a consumer protected by the Uniform Commercial Code ( UCC ) and regulations outlined in the Code of Federal Regulations ( CFR ), and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 section 602, and the Fair Credit Reporting Act of 1974, I am well aware of my rights regarding the accuracy and integrity of the information contained in my credit report. Additionally, I am also protected by the regulations set forth in 15 USC 6802 - 6805, which pertain to the protection of nonpublic personal information by financial institutions.

Furthermore, I am invoking my rights under the Family Educational Privacy Act of 1974 ( 20 USC 1232g, 34 CFR 99 ) to request the removal of student loan information from my credit report. The inclusion of student loan information on my credit report violates my rights to privacy under this federal law, as student loan data is protected educational record information. 
It is imperative that consumer reporting agencies adhere to the guidelines set forth by these regulatory frameworks to ensure fair and accurate reporting. 

The inaccuracies present on my credit report include but are not limited to : 1. Transaction History : There are discrepancies in the transaction history listed on my credit report, which do not accurately reflect my financial activities. These inaccuracies misrepresent my credit usage and payment history, thus unfairly impacting my credit score. 
2. Inquiries : Unauthorized inquiries have been made on my credit report without my consent or knowledge. These inquiries have occurred without any legitimate purpose and have contributed to the unjustified lowering of my credit score.

Under 15 USC 1681b, consumer reporting agencies are only permitted to provide access to a consumer 's credit report for certain permissible purposes. These include situations where the consumer has initiated a credit application, where the information is used for a legitimate business need in connection with a transaction initiated by the consumer, or where the consumer has given explicit consent for the access. Unauthorized inquiries, as outlined above, do not fall within these permissible purposes and therefore should be removed from my credit report. 
Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits abusive, deceptive, and unfair debt collection practices by debt collectors. Any attempts to collect debts using false, deceptive, or misleading representations or practices are in violation of this act. If any of the inquiries on my credit report are related to debt collection activities that violate the FDCPA, they should be promptly removed from my credit report. 

Furthermore, I request the removal of any charge-offs from my credit report. Charge-offs are considered a certificate of indebtedness, which means they are treated as income and must be removed from my credit report in accordance with the relevant regulations. 
Moreover, I must emphasize that I have previously advised all involved parties that the reported inquiries were fraudulent. According to law, companies have four days to remove such fraudulent items. Failure to adhere to this legal requirement constitutes a violation of my consumer rights and should result in the immediate removal of these fraudulent inquiries from my credit report. 


In light of these discrepancies, I hereby request that the Consumer Financial Protection Bureau intervene and take appropriate action to rectify the inaccuracies present on my credit report. Specifically, I request that the following actions be taken : 1. Immediate removal of inaccurately reported transaction history. 
2. Removal of unauthorized inquiries ( both hard and soft ) from my credit report.

3. Correction of any erroneous late payment information.

4. Rectification of misrepresented credit utilization data.

5. Removal of student loan information from my credit report in accordance with the Family Educational Privacy Act of 1974.

6. Removal of any charge-offs from my credit report.

7. Immediate removal of fraudulent inquiries from my credit report in compliance with the law.