Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the following hard inquiries that have appeared on my credit report. These inquiries were either unauthorized or incorrectly reported and must be deleted immediately as they are in violation of both federal law and XXXX XXXX XXXXXXXX law. 
Disputed Hard Inquiries : 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 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  ) Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) Section 604 - Authorization for Inquiries : Under Section 604 of the FCRA, no credit report inquiry should appear unless it has been explicitly authorized by the consumer. If any of these inquiries were made without my explicit permission, they must be deleted immediately. Additionally, the FCRA mandates that credit reporting agencies verify and validate inquiries, and if they can not demonstrate proper authorization, the inquiry must be removed.

2. FCRA Section 611 - Disputed Information Investigation : Under Section 611 of the FCRA, once an item is disputed, the credit reporting agencies must investigate and verify the accuracy of that information within 30 days. If they are unable to verify that the inquiry was authorized, they are obligated to delete it from my report. The fact that I have already disputed these inquiries multiple times and they remain unresolved indicates non-compliance with FCRA regulations. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Consumer Rights Regarding Accurate Reporting : Section XXXX of the XXXX XXXX XXXXXXXX XXXX XXXX ensures that consumers are entitled to have their credit reports contain only accurate and complete information. If any of these inquiries were made without my consent, or if the information is otherwise incorrect, it must be removed immediately under this law. 


informe personal 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 : XXXX. 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. 
XXXX. 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. 
XXXX. Violation Under XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) : According to the XXXX XXXX XXXXXXXX XXXX XXXX, particularly Sections XXXX to XXXX, 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. 
XXXX. 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. 
XXXX. Legal Action in Case of Non-Compliance : If XXXX does not correct this information within the XXXX period prescribed by the FCRA, I 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 Dispute of Incorrect Information - Request for Removal of XXXX XXXX XXXX Account ( # XXXX ) Dear Representatives of the Credit Bureaus, I am writing to formally dispute the inclusion of the XXXX XXXX XXXX account, account number XXXX, on my credit report, as I believe it has been reported incorrectly and should be removed in accordance with New York financial laws and applicable federal law. 

Account Details in Dispute : Reported Company : XXXX XXXX XXXX Account Number : XXXX After reviewing my credit report, I have identified that the account mentioned above has been incorrectly reported. I would like to dispute its inclusion on my report for the following reasons : Account Reported Incorrectly : Based on my knowledge and personal records, this account should have been corrected or removed due to an error in the reporting process or in the reported balances. If this account has been settled or closed, it has not been updated properly on the report. 

Account is No Longer Active : If the XXXX XXXX XXXX account was settled, closed, or removed, this information has not been correctly updated in my credit report. I request its immediate removal as per the guidelines set by the Fair Credit Reporting Act ( FCRA ). 

Violation of XXXX XXXX XXXXXXXX XXXX XXXX : Under Article XXXX of the XXXX XXXX  XXXX XXXX XXXX ( XXXX ), consumers are entitled to have their credit reports reflect accurate, up-to-date, and complete information. If the information provided by XXXX XXXX XXXX is incorrect, this account should no longer be present on my credit report. 

Lack of Supporting Documentation ( if applicable ) : If this account is being reported as unpaid or with an outstanding balance, I request that you provide supporting documentation showing that I am indeed responsible for the debt. If no such documentation is provided, the account should be removed from my report for being unverifiable and not compliant with the FCRA. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA stipulates that credit bureaus must investigate any dispute filed by a consumer and remove any inaccurate or unverifiable information within 30 days of receiving a dispute. In this case, XXXX XXXX XXXX has not provided the necessary validation, and the account should be removed immediately.

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