Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. When I reviewed my XXXX report, I found several inaccuracies and incomplete details. According to the Fair Credit Reporting Act, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information, as stated in 15 USC 1681 ( e ) ( b ). Additionally, under 15 USC 1681, if any disputed information is found to be inaccurate or unverifiable after a reinvestigation, the consumer reporting agency must promptly delete or modify the information and notify the furnisher. 

XXXX XXXX XXXX XXXX XXXX IL, XXXX [ XXXX ] [ XXXX ] [ XXXX ] [ EXPERIAN ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Dispute of Unauthorized Access and Furnishing of My Credit Information Dear Sir/Madam , I am writing to formally dispute the inclusion of my information on your credit report and to assert that I have not provided written consent for any entity to access or furnish my personal and credit information. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX5 U.S.C. 1681 ( b ), my permission must be obtained before any third party can access my credit file.

I do not recall giving written consent for any company to obtain or furnish my information, nor have I signed any documentation authorizing such access. According to the FCRA, all credit reporting agencies are required to only provide consumer information when proper authorization is given, and I have not provided such consent. 
Please investigate this matter, and remove any information obtained or shared without my explicit permission. If any company or third-party entity is listed as having accessed or reported my credit file without my consent, I request that you promptly correct this error by removing the associated entries from my credit report. 
Please confirm receipt of this dispute and notify me in writing regarding the outcome of your investigation. Under the FCRA, you are required to complete the investigation within 30 days and provide the results to me in writing. 
Should you need further information, please do not hesitate to contact me at the address or phone number listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ] [ XXXX ] INQUIRIES EXPERIAN 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 XXXXXXXX Collections /charge off accounts NOT MINE Silence. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. I may presume that there is no proof of the alleged debt, and therefore, no such debt in fact exists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX. XXXX XXXX XXXX : XXXX [ XXXX ]

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