Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I, XXXX XXXX, am submitting this formal complaint regarding the numerous inaccuracies and unauthorized inquiries that persist on my credit reports with XXXX, Experian, and XXXX. Despite previous attempts to rectify these issues, the credit reporting agencies continue to report incorrect personal information, unauthorized inquiries, and unverified accounts. This has severely harmed my credit score and financial standing, and I am seeking immediate corrective action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. Incorrect Personal Information My credit report includes multiple variations of my name and addresses that are entirely incorrect and not associated with me : Incorrect Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX These entries violate FCRA Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies maintain accurate and verifiable information. These addresses and name variations have never been linked to me. I demand the immediate removal of these inaccuracies.

2. Unauthorized Inquiries There are multiple hard inquiries on my credit report that were made without my explicit consent. Under 15 U.S. Code 1681b, a consumer report can only be accessed with written permission, and these inquiries are clear violations of that law. I demand the immediate removal of the following unauthorized inquiries : XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  via Dealer - Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX These unauthorized inquiries have negatively affected my credit score, and I demand their immediate removal. 

XXXX. Unverified and Inaccurate Accounts Several accounts have been inaccurately reported or remain unverified, in violation of FCRA Section 623 and FDCPA Section 809. These accounts have not been validated as required by law, and they must be removed : XXXX XXXX XXXX Account Number : XXXX This account was not properly marked as in dispute within 30 days, violating 15 U.S. Code 1692e ( 8 ). I demand that this account be removed immediately. 
XXXX XXXX  Account Number : XXXX This account has been reported inaccurately, and under FCRA Section 623, it must be either verified with proper documentation or removed. 
XXXX XXXX XXXX Account Number : XXXX This account was reported without my consent, in violation of 15 U.S. Code 1681b, and must be removed immediately. 
XXXX XXXX XXXX XXXX Account Number : XXXX This account was reported without proper authorization under 15 U.S. Code 1681b, and I demand its removal from my credit report. 
XXXX XXXX Number : XXXXXXXX This account is unverifiable under 15 U.S.C. 1692g, and must be removed immediately from my credit report. 

XXXX. Violations of Billing Errors ( TILA 15 U.S.C. 1666 ( b ) ) Additionally, billing errors have been reported on accounts with XXXX XXXX XXXX and XXXXXXXX XXXX, including inaccuracies in payment history and failure to provide proper notification. Under TILA ( 15 U.S.C. 1666 ( b ) ), creditors are required to report correct payment statuses, and these accounts must either be corrected to reflect accurate information or removed. 

Legal Basis for My Dispute FCRA Section 611 ( a ) ( 1 ) ( A ) : Ensures the right to dispute and correct inaccurate or unverifiable information on credit reports. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Requires furnishers of information, such as creditors, to provide accurate information and correct errors when notified. 
15 U.S.C. 1681b : Prohibits unauthorized access to a consumers credit report without written consent.

15 U.S.C. 1692g : Entitles consumers to request validation of debts, and any unvalidated debts must be removed from credit reports. 
15 U.S.C. 1692e : Prohibits false or misleading representations by creditors or debt collectors.

TILA ( 15 U.S.C. 1666 ( b ) ) : Mandates accurate billing and the correction of billing errors.

15 U.S.C. 1681n : Provides civil liability for willful non-compliance with the FCRA, including statutory damages for each violation.