Consumer complaint received 2024-06-24
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)

I am writing to you as a veteran of the XXXX XXXX XXXXXXXX XXXX and a victim of the XXXX data breach to express my concerns regarding several accounts that have been erroneously reported on my credit report. Despite sending multiple letters to the credit bureaus disputing these inaccurate items, they have failed to provide hardcopy validation of the alleged debts and have not deleted the accounts that do not belong to me, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

The following accounts are being reported inaccurately and do not belong to me : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX I believe that these erroneous accounts may be a result of the XXXX data breach, which exposed my personal information to potential identity thieves. As a victim of this breach, I am particularly concerned about the accuracy of my credit report and the potential for fraudulent accounts to be opened in my name. 

I have followed the proper dispute procedures under the FCRA and have sent detailed letters to the credit bureaus requesting that they investigate these accounts and delete them from my credit report, as they do not belong to me. However, they have failed to provide any proof that these debts are mine and have not removed the erroneous accounts, which is a clear violation of Section 611 ( 15 U.S.C. 1681i ) of the FCRA.

Furthermore, the credit bureaus ' failure to maintain reasonable procedures to ensure the accuracy of the information they report and their continued reporting of these inaccurate accounts is a violation of Section 607 ( 15 U.S.C. 1681e ) of the FCRA. 

As a result of these FCRA violations, the inaccurate reporting of these accounts, and the potential impact of the XXXX data breach, I have faced adverse actions when applying for a home and a job. These erroneous accounts have significantly lowered my credit score, making it difficult for me to secure affordable housing for my family and hindering my employment prospects. The stress and financial strain caused by these issues have negatively affected my family 's well-being. 

As a veteran who has served my country, I take my financial obligations very seriously. It is deeply troubling that these false reports continue to harm my credit standing and, consequently, my family 's financial stability, especially in light of the XXXX data breach. 

I am reaching out to the CFPB to seek assistance in resolving this matter and ensuring that my credit report accurately reflects my credit history. I kindly request that the CFPB investigate this issue and compel the credit bureaus to delete these erroneous accounts from my credit report promptly, as required by the FCRA. Once these accounts have been deleted, I request that an updated copy of my credit report be mailed to my address at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX, as mandated by Section 612 ( 15 U.S.C. 1681j ) of the FCRA.