Consumer complaint received 2024-08-20
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. (NY)

I am writing to formally dispute inaccurate and fraudulent information on my credit report. I am a XXXX XXXX XXXX XXXX and certain accounts and debts were incurred under duress, without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me. 

**Legal Protections and Applicable Laws** As a consumer, I am protected under various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation, including but not limited to : 1. **Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : ** Credit reporting agencies are required to block any information resulting from identity theft, including cases of XXXX XXXX. Upon receipt of a police report and other supporting documentation, the listed items must be removed immediately.

2. **Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) : ** Victims of identity theft, including XXXX, have the right to obtain copies of business records relating to fraudulent transactions. This helps substantiate the dispute and supports the removal of incorrect data. 

3. **Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) : ** Credit reporting agencies must investigate disputed information, generally within 30 days. If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted.

4. **Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C . 1681b ) : ** Any entity requesting a consumer report must have a permissible purpose. Accounts or inquiries made without such purpose, particularly under fraudulent circumstances, must be removed.

5. **Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C . 1681s-2 ) : ** Entities furnishing information to credit bureaus must ensure its accuracy and integrity. They are also required to investigate disputes and correct or delete any information that is found to be inaccurate or incomplete.

6. **The Consumer Financial Protection Bureau ( CFPB ) Guidelines : ** The CFPB emphasizes that credit bureaus must adhere strictly to the FCRA and handle disputes efficiently and fairly, especially in cases involving identity theft or XXXX XXXX

7. **The XXXX  Victims Protection Act ( TVPA ) : ** This act provides additional protections for victims of XXXX XXXX allowing them to clear fraudulent financial records that were created as a result of their victimization.

**Disputed Information** I request that the following accounts and inquiries be verified or removed immediately as they are inaccurate and were incurred without my knowledge or consent : - XXXX ( Inquiry Date : XX/XX/XXXX ) : ** This inquiry was not authorized and should not be reported. 
- XXXX XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : ** This inquiry was not authorized and should not be reported. 
- **XXXXXXXX  XXXX XXXX ( Inquiry Date : XX/XX/XXXX ) : ** This inquiry was not authorized and should not be reported. 
- **XXXX  ( Inquiry Date : XX/XX/XXXX ) : ** This inquiry was not authorized and should not be reported. 
- XXXX ( Inquiry Date : XX/XX/XXXX ) : ** This inquiry was not authorized and should not be reported. 
- **XXXX XXXX XXXX ( Account Number : XXXX ) : ** This account is not mine. Please remove this inaccuracy. 
- **XXXX XXXX XXXX ( Account Number : XXXX ) : ** This account is not mine. Please remove this inaccuracy. 
- **XXXX ( Account Number : XXXX ) : ** This account is not mine. Please verify and remove. 
- **XXXX XXXXXXXX ( Account Number : XXXX ) : ** This account is not mine. Please verify and remove. 
- **XXXX XXXXXXXX ( Account Number : XXXX ) : ** This account is not mine. Please verify and remove. 

Additionally, the following personal information appears to be incorrect : - **Name : ** XXXX XXXX XXXX- Please verify and correct if necessary. 
- **Date of Birth : ** XX/XX/XXXX - Please verify and correct if necessary. 
- **Addresses : ** - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NY XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NY XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX Please verify these addresses and correct if necessary. 

- **Employer : ** XXXX XXXX- Please verify and correct if necessary. 

I have enclosed a police report and other supporting documentation proving my status as a victim of XXXX XXXX Please investigate these items and update my credit report accordingly. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me informed throughout the investigation process.