Consumer complaint received 2024-12-09 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: AL

Complaint narrative:
To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. Account Name 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX XXXX XXXX, Reported : XXXX XXXX, XXXX {$1700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX {$980.00} XXXX demand This allege collection account be deleted as you in clear violation of 15 U.S. Code 1681e ( b ) failure to provide maximum accuracy amongst all credit reporting agencies. Failure to comply with my demand is a violation of 15 U.S. Code 1681 XXXX Inquries :. I did not authorize this inquiry.. I repeat I DID NOT initiate this inquiry. It was not afirm offer of credit or insurance. This account needs to be removed from my credit report IMMEDIATELY Violation of 15 U.S.CODE 1681 ( 1 ) ( A ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you ( XXXX nor XXXX XXXX ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX Inquires 1. I did not authorize this inquiry.. I repeat I DID NOT initiate this inquiry. It was not a firm offer of credit or insurance. This account needs to be removed from my credit report IMMEDIATELY Violation of 15 U.S.CODE 1681 ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 172 Delete Hard Inquires From my Credit Report. 
XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Hotel and travel ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX HARD INQUIRIES Delete from my Consumer Report Immediately. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Experian Inquires XXXX Delete Hard Inquires From my Credit Report. 
I did not authorize this inquiry.. I repeat I DID NOT initiate this inquiry. It was not a firm offer of credit or insurance. This account needs to be removed from my credit report IMMEDIATELY Violation of 15 U.S.CODE 1681 ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 35 Delete Hard Inquires From my Credit Report. 

XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX  XXXX  Inquiry XXXX XXXX, XXXX XXXX  XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below.

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be verified or removed immediately : Collection accounts, inquires on my credit report from XXXX, XXXX and Experian.

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