Consumer complaint received 2025-01-26 00:00:00
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.
State: NY

Complaint narrative:
Hard Inquiries : I am writing to formally dispute multiple unauthorized hard inquiries listed on my credit report. These inquiries were made without my explicit consent, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), and may have adversely affected my credit score and ability to obtain favorable credit terms. Therefore, I am requesting both the immediate removal of these inquiries and compensation of {$1000.00} for the potential financial harm caused by these unauthorized actions. 
The specific hard inquiries I am disputing are as follows : XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX  Experian Reason for Dispute Under the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be made with my explicit consent or under specific circumstances where I have applied for credit or services. After thoroughly reviewing my records, I have no recollection of authorizing these inquiries. Therefore, I believe these are unauthorized and should be removed from my credit reports. 

Unauthorized inquiries can negatively impact my credit score, which can, in turn, harm my financial stability, limit access to credit, and result in higher interest rates for future loans. As such, I am requesting compensation for the damages caused. 

Requested Actions Immediate removal of all unauthorized hard inquiries from my credit reports. 
Correction of my credit reports to reflect the accurate information after these unauthorized inquiries have been removed. 
Compensation of {$1000.00} for the financial harm and inconvenience caused by these unauthorized actions. This amount is requested to account for potential damage to my credit score and the resulting impact on my ability to obtain credit. 
Response Time Under the FCRA, the credit bureaus are required to investigate and resolve disputes within 30 days. Therefore, I expect a written response from your office within this timeframe, confirming the removal of these inquiries, the correction of my credit reports, and approval of the requested compensation. 
Legal Actions and Remedies If these unauthorized inquiries are not removed from my credit report within the required 30-day period, I will take further actions, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Exploring additional legal remedies, including potential claims for damages related to the impact these unauthorized inquiries have had on my creditworthiness. 
I appreciate your prompt attention to this matter and look forward to a swift and favorable resolution. 

Personal information I am writing to formally dispute the inaccuracies present in my credit report. Despite having submitted the necessary documents, including my identification ( ID ), Social Security Number ( SSN ), and a recent bill verifying my current address, the errors in my report have not been corrected. Additionally, I have made several attempts to contact you by phone and sent certified letters, but the errors in my report remain unresolved. 
Key Points of the Dispute : 1. Fair Credit Reporting Act ( FCRA ) Compliance : Under Section 609 ( a ) ( 1 ) of the FCRA, I have the right to request the correction of any errors on my credit report. I have provided all necessary documentation, including copies of my ID, SSN, and a recent bill that verifies my current address. However, XXXX has failed to adequately correct this information. This non-compliance is a direct violation of my rights under the FCRA. 
2. Fair Debt Collection Practices Act ( FDCPA ) Violation : Under the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful to maintain incorrect information on my credit report without verifying its accuracy. This situation represents a violation of the FDCPA, as the persistent errors have not been corrected, which is negatively impacting my credit report. 
3. Violation Under New York General Business Law ( NYGBL ) : According to the New York General Business Law, particularly Sections 380-a to 380-j, XXXX is required to ensure that my credit report is accurate and truthful. My rights as a New York consumer have been violated by the failure to correct errors in my report after I submitted the necessary documentation. This failure to act represents a breach of state law. 
4. Request for Compensation for Damages : Due to the failure to correct the inaccuracies in my credit report and the ongoing damage caused to my financial and personal well-being, I am requesting compensation for the damages caused by this situation. The continued presence of inaccurate information has affected my ability to obtain credit at fair terms, caused emotional distress, and has negatively impacted my financial well-being. Therefore, I am requesting a compensation of {$1000.00} for the economic and emotional distress this issue has caused me. 
5. Legal Action in Case of Non-Compliance : If XXXX, Experian, XXXX does not correct this information within the 30-day period prescribed by the FCRA, XXXX will take immediate legal action to seek compensation for the damages I have suffered. This compensation will include a lawsuit for emotional distress and the economic effects this incorrect information continues to have on my life. I will also file a complaint with the CFPB ( Consumer Financial Protection Bureau ) and the appropriate New York authorities to enforce my rights. 

Student Loan I am writing to formally address a significant concern regarding non-compliance with the Fair Credit Reporting Act ( FCRA ) integrated with provisions of the Gramm-Leach-Bliley Act ( GLBA ), specifically under 15 U.S. Code 6803, concerning the disclosure of the privacy policy. 
It has come to my attention that your agency has not provided a clear and conspicuous disclosure of its privacy policies and practices with respect to the sharing of nonpublic personal information with non-affiliated third parties. This is a mandatory requirement and is fundamental to maintaining transparency and trust between your agency and consumers like myself. 
The absence of such disclosure not only undermines consumer trust but also potentially violates federal law requiring regular and detailed privacy notifications. This oversight may lead to misuse of personal data or unauthorized sharing of sensitive information, both of which are detrimental to consumers. Below are the following accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given these concerns, I request the following actions be taken : 1. A detailed explanation of the steps your agency is taking to ensure compliance with 6803 of the GLBA, including measures to prevent future oversights. 
2. Assurance that my personal information has not been shared with non-affiliated third parties without proper disclosure and my explicit consent. 
Please address this issue with the urgency it requires and respond within 30 days from the date of this letter. I am keen on understanding your agencys policies and ensuring that my rights as a consumer are not infringed upon. 
Thank you for your attention to this matter. I look forward to your prompt and comprehensive response I am writing to formally address a significant concern regarding non-compliance with the Fair Credit Reporting Act ( FCRA ) integrated with provisions of the Gramm-Leach-Bliley Act ( GLBA ), specifically under 15 U.S. Code 6803, concerning the disclosure of the privacy policy. 
It has come to my attention that your agency has not provided a clear and conspicuous disclosure of its privacy policies and practices with respect to the sharing of nonpublic personal information with non-affiliated third parties. This is a mandatory requirement and is fundamental to maintaining transparency and trust between your agency and consumers like myself. 
The absence of such disclosure not only undermines consumer trust but also potentially violates federal law requiring regular and detailed privacy notifications. This oversight may lead to misuse of personal data or unauthorized sharing of sensitive information, both of which are detrimental to consumers. Below are the following accounts in question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given these concerns, I request the following actions be taken : 1. A detailed explanation of the steps your agency is taking to ensure compliance with 6803 of the GLBA, including measures to prevent future oversights. 
2. Assurance that my personal information has not been shared with non-affiliated third parties without proper disclosure and my explicit consent. 

Please address this issue with the urgency it requires and respond within 30 days from the date of this letter. I am keen on understanding your agencys policies and ensuring that my rights as a consumer are not infringed upon. 
Thank you for your attention to this matter. I look forward to your prompt and comprehensive response Inaccurate : Dispute of Inaccurate Information on Consumer Report I am writing to dispute the inaccurate information furnished on my consumer report that your agency has provided to third parties. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681 ( e ) ( b ) and 15 USC 1681s-2. 
I have thoroughly reviewed the consumer report that I obtained from your agency, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. These inaccuracies have caused severe financial harm and have negatively impacted my ability to secure loans and credit on fair terms. 
The disputed information on my credit report is as follows : Incorrect Opening Date : The opening date of this account is reported as XX/XX/XXXX by XXXX, but Experian and XXXX report the date as XX/XX/XXXX. This discrepancy should be corrected so that all credit bureaus report the same, accurate opening date. 
Incorrect Loan Term ( Number of Months ) : XXXX and Experian correctly report the loan term as 76 months. However, XXXX reports the term as XXXX  months, which is incorrect. Please correct this error and update the loan term to reflect the actual term of 76 months. 
Inaccurate Last Payment Date : XXXX shows a last payment date of XX/XX/XXXX, which is incorrect. I have not made a payment on this loan on that date. Please update this information to accurately reflect the correct payment history. 
Incorrect Loan Status : The loan is currently listed as open and current on all reports, which is accurate, but the errors mentioned aboveparticularly with the loan term and payment datesneed to be corrected to ensure an accurate status. 
[ Opening Date Discrepancy : XXXX reports the account opened on XX/XX/XXXX, while Experian and XXXX show XX/XX/XXXX. You can dispute this inconsistency since the opening date should be uniform across all reports. 
Number of Months ( Loan Term ) : XXXX and Experian show the loan term as 76 months, which is correct if the loan is long-term. However, XXXX reports it as " XXXX, '' which seems to be an error. You should dispute this error on XXXX. 
Last Payment Date : XXXX reports a last payment date of XX/XX/XXXX, while XXXX and Experian don't list any recent payments. If you haven't made a payment in XX/XX/XXXX, this could be incorrect and is worth disputing. 
Loan Details Inconsistency : The " Number of Months '' and " Opening Date '' inconsistencies could indicate a system error, especially in XXXX, where the loan term shows as XXXX. This should be addressed. 
] A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, I am requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ). 
Furthermore, as per 15 USC 1681s-2, I request that you promptly notify the data furnishers associated with the disputed information about my dispute. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is accurate or have reason to believe is accurate. 
You must inform them that the information in question is under dispute, and they must cease reporting this information until a thorough investigation has been completed. 
The Following accounts contains multiple inaccurate information : C I demand that you conduct a comprehensive and impartial investigation within the time frame mandated by the FCRA, which is 30 days from the date of receipt of this dispute letter. Failure to adhere to this requirement will be regarded as a violation of federal law. 
Upon the completion of your investigation, I expect to receive a written report of the results, along with a copy of my updated credit report reflecting the necessary corrections or deletions. If your investigation reveals that any of the disputed information is inaccurate, incomplete, or unverifiable, you must take immediate action to rectify this matter in compliance with 15 USC 1681i ( 5 ). 
Additionally, I insist that you provide me with a written statement confirming that the inaccuracies have been corrected and that the updated credit report has been sent to all parties who have received my consumer report within the past two years. 
Please be advised that I am fully aware of my rights under the FCRA, and I am prepared to pursue all legal remedies available to me should you fail to comply with the law 's requirements. 

As per the Metro2 Reporting Guidelines and the FCRA, I request that you initiate a comprehensive investigation into the disputed items promptly. This includes conducting a Metro2 compliant investigation and contacting the data furnishers associated with the inaccurate information. 

Thank you for your prompt attention to this matter. I expect a timely response and resolution of this dispute in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation