Consumer complaint received 2024-12-31 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: VA

Complaint narrative:
I am writing to formally request your assistance in addressing significant inaccuracies, unauthorized credit inquiries, and privacy violations on my credit reports from XXXX, Experian, and XXXX. These issues have created financial hardship, preventing me from securing housing and employment opportunities. 

The following are the specific concerns I would like your office to investigate : 1. Unauthorized Credit Inquiries Several inquiries were made on my credit reports without my authorization : Experian XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX ( XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX I was pre-approved for financing through XXXX  XXXX and did not authorize these entities to run my credit. Additionally, I did not provide my Social Security number to these entities except XXXX, where I explicitly stated that only the pre-approval should be used. 

I request that these inquiries be removed from my credit reports as they were unauthorized and violate 15 U.S.C. 6802.

2. Inaccurate Personal Information The following personal details are incorrect on my credit reports : Employer Information : The only valid employers should be XXXX and the Department of Veteran Affairs. 
Addresses : The only valid addresses are XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Any other address is not mailable so remove anything else. 
Name : My legal name is XXXX XXXX XXXX XXXX All former or alternate names should be removed due to identity theft and the accounts I have that have been breached. I don't have any open accounts in those other names. So if anything the names should have appeared under former, not known as! 

3. Account Balance Discrepancies Several accounts are inaccurately reported : XXXX  XXXX : I owe {$130.00}, but XXXX and XXXX report {$510.00}. 
XXXX XXXX XXXX XXXX : I owe {$98.00}, but all three bureaus report {$480.00}. 
XXXX XXXX : Paid off, but all three bureaus report {$1300.00}. 
XXXX XXXX XXXX XXXX : My current balance is {$2100.00}, but all three bureaus report {$2400.00}. 
XXXX XXXX XXXX XXXX  : My balance is {$5100.00}, but all three bureaus report {$5900.00}. 
XXXXXXXX XXXX XXXX  : My balance is {$1600.00}, but all three bureaus report {$1800.00}. 

These inaccuracies violate the FCRA and must be corrected. 

XXXX. Accounts Included in Bankruptcy The following accounts included in my bankruptcy are still reported as delinquent : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  All other accounts included in the bankruptcy have been removed, so these XXXX should be as well. 

Additionally, my bankruptcy is improperly reported on my credit report. As per 16 CFR 313, this constitutes a violation of my financial privacy. The bankruptcy was not authorized for use as a line of credit, and its inclusion violates my rights under the FCRA. 

5. XXXX XXXX XXXX XXXX is reporting an auto loan for {$15000.00} from XXXX, which I never authorized or obtained. I request an investigation and removal of this fraudulent account. 

Resolution Requested I respectfully request that CFPB : Remove all unauthorized inquiries listed above. 
Correct inaccuracies in personal information, employer details, and account balances. 
Remove all accounts included in bankruptcy and investigate the improper reporting of the bankruptcy itself. 
Remove the fraudulent XXXX XXXX XXXX 

These errors and violations have caused undue hardship, including barriers to obtaining housing and employment. I trust in the CFPBs ability to enforce compliance with consumer protection laws and resolve these issues promptly. 

Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for further documentation or clarification. 

Thank you for your attention to this matter.

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