Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

MY COMPLAINT WITH EXPERIAN ( PDFS ATTACHED ) : In a XX/XX/XXXX letter, I formally requested verification for XXXX disputed accounts listed on my credit report. I observed inconsistencies and consequent inaccuracies across all credit bureaus regarding dates such as date opened, date last reported, and date last active ( refer to orange highlights on pages XXXX through XXXX ). 

Additionally, in a letter sent to Experian via certified mail on XX/XX/XXXX, I noted the presence of XXXX unauthorized hard inquiries [ out of XXXX ] on my Experian report ( see pages XXXX, XXXX, & XXXX ). As of XX/XX/XXXX, I have not received a response from Experian regarding this matter. 

Experian responded by confirming that all accounts are verified as mine ( see pages XXXX through XXXX ), yet inconsistencies ( and thus inaccuracies ) persist across all XXXX accounts among the credit bureaus, as indicated in a XX/XX/XXXX credit report ( see orange highlights on pages XXXX through XXXX ). 

MY COMPLAINT WITH XXXX ( PDFS ATTACHED ) In a XX/XX/XXXX letter, I requested verification for XXXX disputed accounts on my credit report. I noted inconsistencies and therefore inaccuracies among all the credit bureaus regarding date opened, date last reported, and date last active ( see orange highlights on pages XXXX through XXXX ). 

XXXX replied by stating that all the accounts are verified as mine ( see XXXX Reply PDF ), but inconsistencies ( and therefore inaccuracies ) remain on all XXXX accounts among the credit bureaus on a XX/XX/XXXX credit report ( see orange highlights on pages XXXX through XXXX of PDF XXXX Credit Report Outcome ). 

MY COMPLAINT WITH XXXX ( PDFS ATTACHED ) In a XX/XX/XXXX letter, I formally requested verification for XXXX disputed accounts listed on my credit report. I highlighted inconsistencies and resulting inaccuracies across all credit bureaus regarding dates such as date opened, date last reported, and date last active ( refer to orange highlights on pages XXXX through XXXX ). 

In response, XXXX sent a XX/XX/XXXX dated letter stating they were unable to locate my credit file and requested additional verification to be sent to XXXX of their addresses ( see pages XXXX & XXXX ). I promptly provided the requested verification ( see pages XXXX, XXXX, & XXXX ). However, XXXX replied again on XX/XX/XXXX and XX/XX/XXXX, indicating that the information provided did not match what they had on file ( see pages XXXX through XXXX ). 

Despite XXXX claiming to be unable to locate my credit file, XXXX took the unusual step of reporting my disputed accounts with XXXX XXXX XXXXXXXX, XXXX, and XXXX as " new accounts '' ( see circled items on pages XXXX, XXXX, XXXX, & XXXX of XXXX Credit Report Outcome PDF ). Additionally, they changed the status of my XXXX account from " open '' to derogatory ( see pages XXXX from XXXX dispute PDF & page XXXX of XXXX Credit Report Outcome PDF ). Since filing my dispute, my XXXX XXXX with XXXX has dropped by approximately XXXX points ( see page XXXX of XXXX Credit Report Outcome PDF ). 

It is very evident that XXXX has mishandled my dispute, and inaccuracies persist, if not worsened. 

LAST AND MOST IMPORTANTLY : In accordance with the Fair Credit Reporting Act, the XXXX disputed accounts ( on Experian, XXXX, and XXXX ) and the XXXX unauthorized hard inquiries ( on Experian ) violate my rights. 

15 USC 1681 section 602 a states that I have a rightto privacy ( and that credit reports must be accurate and fair ).

15 USC 1681 section 604a, section 2 states that a consumer reporting agency can not furnish an account without my written instructions.