Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Credit Report Number : Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute certain items on my credit report, which I believe to be inaccurate and in violation of various consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Unauthorized Credit Inquiries- FCRA and FACTACT : Upon reviewing my credit report dated XX/XX/XXXX and XX/XX/XXXX, I noticed three unauthorized credit inquiries from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I have no recollection of authorizing these credit pulls, and I believe they were conducted without a permissible purpose as required by the FCRA and FACTACT. I demand that these inquiries be immediately removed from my credit report. 



Incorrect Personal Information - FCRA : The following personal information listed on my credit report is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is vital to correct these inaccuracies promptly as they may lead to discrepancies and misidentification in my credit history. 



Incorrect Previous Address Information - FCRA : The following previous addresses listed on my credit report are incorrect : 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  I have never resided at these addresses, and I request their immediate removal from my credit report to ensure the accuracy of my credit history. 



Incorrect Employment Information - FCRA : The following employers listed on my credit report are incorrect : Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX I have never been employed by these organizations, and these entries are erroneous. I request that you correct this information promptly as it may impact the integrity of my credit profile. 



I am well aware of my rights under the FCRA, which requires you to conduct a reasonable investigation upon receiving a dispute. I request that you investigate these matters thoroughly and provide a written response with your findings. If it is determined that the information is inaccurate or can not be verified, I insist on the immediate removal of the disputed items from my credit report, as mandated by the FCRA. 



Additionally, I expect you to comply with the timeframes prescribed by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA in resolving these disputes. Please acknowledge receipt of this letter within five business days and inform me of the actions taken to address my concerns. 



If you fail to respond or rectify these issues satisfactorily, I may have no choice but to seek legal recourse to protect my rights and hold you accountable for any violations. 



Thank you for your prompt attention to this matter. I look forward to receiving your response and a resolution of these disputes as soon as possible. 



Sincerely, XXXX XXXX