Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute and request enforcement of my legal rights regarding several violations that have significantly impacted my financial well-being. I urge the Consumer Financial Protection Bureau ( CFPB ) to consider the gravity of these violations and take appropriate action to rectify the situation. 

In recent times, I have become acutely aware of multiple infractions committed by various creditors that have adversely affected my credit report and, subsequently, my life. The violations I've identified, along with their respective account numbers and corresponding legal violations, are as follows : XXXX XXXX XXXX : Unauthorized Credit Pull Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 )  XXXXXXXX XXXX XXXXXXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B CCR | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX AZ XXXX : Incorrect Address The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) XXXX XXXX  : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B XXXX XXXXXXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) The consequences of these violations extend far beyond mere financial inconvenience. They have taken an emotional toll on me and my family, causing XXXX sleepless nights, and an overwhelming sense of helplessness. The stress of battling these inaccuracies has affected my physical and mental well-being, straining my relationships and disrupting my daily life. 

I implore the CFPB to enforce the legal protections that exist to shield consumers from such unjust practices. I believe in the importance of a fair and transparent credit reporting system that accurately reflects my financial history. I humbly request that the CFPB take the necessary measures to hold these creditors accountable for their violations and ensure that my rights are upheld. 

Furthermore, in light of these discrepancies and violations, I respectfully request that the relevant creditors promptly remove the unverified accounts from my credit report. This action is essential to restoring my financial security and mental well-being. 

Thank you for your attention to this matter. I trust that the CFPB will take the appropriate steps to address my concerns and uphold the rights of consumers like myself. I look forward to your response and resolution of these issues. 

Sincerely, XXXX XXXX XXXX