Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, I am writing to file a complaint against Experian credit reporting agency for violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. Specifically, Experian has failed to report my personal and account information with accuracy and fairness, in violation of 15 U.S.C. 1681e ( b ). Additionally, Experian has allowed hundreds of promotional and account review inquiries to be made to my account without my explicit written or oral consent, in violation of 15 U.S.C. 1681b ( a ) ( 3 ) and ( 4 ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Experian is obligated to report information with accuracy and fairness. This includes ensuring that the information they report is complete and up to date, and that any information that is disputed by the consumer is investigated and corrected as necessary. 

Furthermore, Experian is also in violation of my privacy rights as protected by FCRA, 15 U.S.C. 1681b, which requires that consumer reporting agencies obtain written or oral consent from consumers before allowing any promotional or account review inquiries to access their credit report. Additionally, Experian has violated my privacy rights by allowing business inquiries to appear on my private credit report, in violation of 15 U.S.C. 1681b ( c ) ( 1 ). This is unacceptable as business credit inquiries should not appear on private credit reports as afforded by all legal protections of a limited liability company ( LLC ). Here is a summary of all the violations showing in my Experian credit report : Failure to report with accuracy and fairness of personal and account information in violation of 15 U.S.C. 1681e ( b ) Violation of privacy by allowing hundreds of promotional and account review inquiries to the account without explicit written or oral consent in violation of 15 U.S.C. 1681a ( d ) Failure to comply with permissible purposes of consumer reports as outlined in 15 U.S.C. 1681b Failure to provide the most accurate information as required by 15 U.S.C. 1681e ( a ) Failure to delete illegal unauthorized business inquiries performed for a business in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( F ) Failure to update and make current score factors in the report as required by 15 U.S.C. 1681i ( a ) Failure to report accurate number of collections accounts as required by 15 U.S.C. 1681i ( a ) Failure to report accurate number of accounts 60 days late or more and have a derogatory indicator as required by 15 U.S.C. 1681i ( a ) Failure to report accurate number of accounts with missed payments or derogatory indicator as required by 15 U.S.C. 1681i ( a ) Failure to report accurate ratio of revolving balances to credit limits as required by 15 U.S.C. 1681i ( a ) Failure to report accurate principal paid down on open non-mortgage installment loans as required by 15 U.S.C. 1681i ( a ) Failure to delete multiple repetitive addresses reported to current legal address as required by 15 U.S.C. 1681i ( a ) Failure to delete outdated employment history as required by 15 U.S.C. 1681i ( a ) Failure to delete unauthorized promotional inquiries and account review inquiries as required by 15 U.S.C. 1681i ( a ) Failure to delete any third-party supplemental information that violates privacy rights as required by 15 U.S.C. 1681i ( a ) Request for Relief : I request that Experian credit reporting agency immediately delete all information violating my privacy rights and outdated information, as well as correct the inaccuracies listed above as required by 15 U.S.C. 1681i ( a ). I request that Experian immediately correct the inaccuracies in my credit report, including but not limited to : the number of collections accounts, the number of accounts 60 days late or more and have a derogatory indicator, the number of accounts with missed payments or derogatory indicator, the ratio of revolving balances to my credit limits, and the principal I have paid down on my open non-mortgage installment loans. Additionally, I request the immediate deletion of multiple repetitive addresses reported, outdated employment history, unauthorized promotional inquiries, account review inquiries, and any third-party supplemental information that violates my privacy rights. 

I also request that Experian delete all business credit inquiries, in accordance with FCRA, 15 U.S.C. 1681s-2, which states that credit reporting agencies shall not furnish any information about a consumer to any person if it relates to a transaction not initiated by the consumer. I further request that Experian update my credit report to reflect the accuracy of my credit history, in accordance with FCRA, 15 U.S.C. 1681i, which requires consumer reporting agencies to reinvestigate disputed information within 30 days. 

I demand that Experian take immediate action to correct these violations of my rights under the FCRA, and provide me with a copy of my updated credit report, in accordance with FCRA, 15 U.S.C. 1681g. The FCRA affords consumers the right to dispute inaccurate or incomplete information in their credit reports. The FCRA, 15 U.S.C. 1681a ( d ), places the burden of proof on the credit reporting agency to provide the most accurate information. I, therefore, request that Experian delete the multiple repetitive addresses reported, to my only current legal address ( XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX ), delete all the outdated employment history being reported, delete all unauthorized promotional inquiries and account review inquiries and any third-party supplemental information that violates my privacy rights by law. I request that Experian takes immediate action to correct these violations and delete all information violating my privacy and outdated information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX