Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to clarify and correct several inaccuracies that have appeared on my credit report. These inaccuracies are not reflective of my true identity and need to be resolved promptly. 

Firstly, the only accurate way my name should be reported on my credit report is XXXX XXXX XXXX. Any other variation or misspelling of my name is incorrect. The following are not me and should be deleted from my report immediately : - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX I XXXX XXXX - XXXX XXXX - XXXX XXXX Secondly, my only phone number is ( XXXX ) XXXX. Any other phone number reported on my credit report is incorrect and should be removed. 

Regarding my employment history, my former or current employers are not XXXX or XXXX. These should be deleted from my report as they are inaccurate. 

My date of birth is XX/XX/2003. Any other date of birth listed on my credit report is incorrect and needs to be corrected. 

Under the Privacy Protection Act, these inaccuracies must be updated to reflect accurate information in good faith. I request that these corrections be made promptly to ensure my credit report accurately reflects my identity. 

In addition, I request the removal of the following inquiries from my credit report as they were not authorized by me and are a violation of 15 USC 1681c-2, which mandates the immediate removal of such inaccuracies : - 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 These inquiries should be removed immediately as they are unauthorized and incorrect .

I believe the following laws support my claims and demonstrate the obligations of the reporting agencies and the furnisher in ensuring the accuracy of my consumer report : 1. 15 USC 1681- Fair Credit Reporting Act ( FCRA ) : This law requires credit reporting agencies to maintain accurate and fair consumer credit information. The inaccuracies in my report violate this fundamental requirement.

2. 15 USC 1681c-2 - Block of Information Resulting from Identity Theft : This law mandates the immediate removal of any information resulting from identity theft, including unauthorized inquiries. The inquiries listed above should be removed immediately as they are unauthorized and incorrect.

3. 16 CFR 313 and 16 CFR 313.7 : These regulations pertain to the privacy of consumer financial information. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information.

4. 15 USC 6508 - Privacy Rights Act : This section protects privacy rights, further emphasizing the need for accurate reporting of my information. The inaccuracies in my report violate these privacy protections.

5. 12 CFR 226.5 ( a ) ( 2 ) : This regulation requires clear and accurate disclosures regarding credit terms. The inaccuracies in my credit report undermine this requirement as they misrepresent my credit history and status.

6. 15 USC 6805 ( a ) - Enforcement : This section outlines the enforcement of the Privacy Protection Act and mandates that federal functional regulators ensure compliance with the protection of consumer information. This law defends my claim by mandating the correction and protection of my personal information against inaccuracies and unauthorized use.

Given these legal protections, I request that these inaccuracies be corrected and the unauthorized inquiries be removed promptly to ensure my credit report accurately reflects my identity. I expect a response and corrective action within five business days.