Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Final warning Instead of doing a proper investigation, the credit reporting agencies are asking the furnisher. Did they furnish the information, and once the furnisher states that they furnished the information, that is the end of the investigation, which is not an adequate investigation I am XXXX XXXX XXXX XXXX, to express my serious concerns regarding the unauthorized use of my personal information and the inaccuracies on my credit report. 

Firstly, we insist that the customer statement section should reflect XXXX XXXX 's statement. While XXXX has included his statement, XXXX and Experian have failed to do so, which i believe is a violation of my rights. I request that you copy the statement from XXXX onto XXXX and Experian. 

Secondly, there are multiple misspellings and variations of XXXX XXXX 's name on the report. His name should be written as XXXX XXXX XXXX only. We also noticed multiple addresses listed for XXXX XXXX. The only address that should be listed is XXXX XXXX XXXX, XXXX, PA XXXX. 

Regarding my employment information, XXXX XXXX has XXXX employers, XXXX XXXX and XXXX XXXX XXXX XXXX, both of which should be correctly listed on the report. 

I also noticed inaccuracies in the Risk Factors section, the summary section, and several account details. These inaccuracies are causing harm to XXXX XXXX 's credit score and need to be corrected immediately. 

In particular, i dispute the late payments reported by XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I believe these are false reports and request that they be removed from XXXX XXXX 's credit report. I also request the deletion of the accounts with XXXX XXXX XXXX due to inaccurate reporting. 

Furthermore, i noticed several unauthorized inquiries on XXXX XXXX 's credit report. These inquiries are damaging my XXXX XXXX and i request that they be removed immediately. 

Lastly, i would like to express my concern over XXXX 's failure to respond to our previous disputes. We have sent XXXX letters, all by registered mail, requesting the removal of inaccurate information from XXXX XXXX 's file. i believe this is a violation of the Fair Credit Reporting Act and we intend to file a lawsuit if these issues are not resolved promptly. 

In addition, i have become aware of unauthorized use of XXXX XXXX 's personal information, which is in violation of the provisions set forth in 15 USC 6801, also known as the Gramm-Leach-Bliley Act ( GLBA ). This law protects the privacy and security of individuals ' non-public personal information. We demand that you immediately cease and desist from any further collection, disclosure, or use of XXXX XXXX 's personal information. Failure to comply with this demand will leave us with no choice but to pursue legal action. 

I request that you provide me with written confirmation within XXXX business days from the date of this letter, stating that you have ceased all unauthorized activities involving XXXX XXXX 's personal information and that you will take all necessary steps to ensure the information is securely destroyed or returned to XXXX XXXX. 

Please be aware that the GLBA provides for both civil and criminal penalties for non-compliance, including monetary damages, injunctive relief, and potential imprisonment. I trust that you understand the seriousness of this matter and will take immediate action to rectify the situation. 

I strongly advise you to seek legal counsel to ensure your compliance with the GLBA and to avoid any further legal consequences. This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses, all of which are expressly reserved.