Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting 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.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. As a survivor of human trafficking, certain accounts and debts were incurred under duress without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me. 

**Legal Protections and Applicable Laws : ** As a consumer, I am protected under several sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation, including but not limited to : 1. **Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) ** : This requires the removal of fraudulent information resulting from identity theft, including XXXX XXXX 
2. **Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) ** : Allows victims to obtain business records relating to fraudulent transactions to support the dispute.

3. **Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) ** : Mandates that credit reporting agencies investigate disputed information and correct or delete inaccuracies.

4. **Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C . 1681b ) ** : Ensures that only authorized entities may request consumer reports.

5. **Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C . 1681s-2 ) ** : Requires accuracy and integrity in the reporting of information to credit bureaus.

6. **The Trafficking Victims Protection Act ( TVPA ) ** : Provides additional protections for victims of human trafficking to clear fraudulent financial records. 

**Disputed Accounts : ** I request that you verify or remove the following accounts and inquiries from my credit report immediately : XXXX. XXXX XXXX XXXX - Account ending in XXXX XXXX. XXXX XXXX - Account ending in XXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXXXXXX XXXX XXXXXXXX - Account ending in XXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXX XXXX XXXX - Account ending in XXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXX XXXX - Account ending in XXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXX XXXX - Account ending in XXXX ( This item was fraudulently misrepresented ; I do not recognize it. ) XXXX. XXXX XXXX - Account ending in XXXX ( This item was fraudulently misrepresented ; please remove it immediately. ) XXXX. XXXX XXXX - Account ending in XXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXX - Account ending in XXXX ( This account is not mine ; please remove it from my report. ) XXXX. XXXX - XXXX dated XX/XX/XXXX ( This inquiry was not authorized ; please remove it. ) XXXX. XXXX - XXXX dated XX/XX/XXXX ( This inquiry was not authorized ; please remove it. ) XXXX. XXXX XXXX - Account ending in XXXX ( This item was fraudulently misrepresented ; please remove it. ) **Incorrect Personal Information : ** Please correct the following inaccuracies in my personal data : - **Incorrect Address** : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - **Incorrect Name** : XXXX XXXX XXXX - **Incorrect Name** : XXXX XXXX - **Incorrect Employer** : XXXX XXXX XXXX - **Incorrect Date of Birth** : XX/XX/XXXX These inaccuracies have caused significant distress and I request that they be corrected immediately. I appreciate your prompt attention to this matter and look forward to your response.

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