Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies identified on my credit report. These errors have caused significant distress and require immediate correction. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681b ( a ) ( 2 ), I request that you promptly investigate and resolve these discrepancies.

Additionally, I would like to remind you of my rights under the Dodd-Frank Act, the Credit Repair Organizations Act ( CROA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair and Accurate Credit Transactions Act ( FACTA ), all of which protect my right to accurate and fair credit reporting.

Personal Information Dispute : These names and addresses are inaccurate, and I have never resided at or had any affiliation with these locations. Please remove them from my credit file immediately. I have also attached my Driver 's license, Proof of Address, and Social Security Card for identity verification.

As per the FCRA 1681b ( a ) ( 2 ), if you can not verify the accuracy of this collection account within 30 days, it must be removed from my credit report, and consumer reporting agencies are mandated to maintain maximum possible accuracy of consumer reports.. Failure to do so will result in further action being taken to ensure my rights are protected.

Hard Inquiries : Reason for Dispute : These inquiries were unauthorized. As such, they must be deleted from my credit report immediately. 
Inaccurate Information Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : These accounts were reported without my written consent. I request that these accounts be deleted from my credit report immediately. 
Legal Justification for Deletion : Under the Fair Credit Reporting Act ( FCRA ), and the Fair and Accurate Credit Transactions Act ( FACTA ), the following violations have occurred : 1.

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Accuracy and Reasonable Procedures ( 15 USC 1681e ( b ) ) : Your agency has failed to ensure that the information on my report is accurate and complete, as required by the FCRA. The failure to maintain reasonable procedures to assure maximum possible accuracy has resulted in the false reporting of unauthorized accounts and inquiries.

Blocking and Deletion ( 15 USC 1681c-2 ) : I have provided the necessary documentation and expect these items to be blocked and deleted within four business days, as stipulated by the FCRA. Failure to comply will result in further legal action to protect my credit rating.

Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) : Under the Dodd-Frank Act, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or removed. The Consumer Financial Protection Bureau ( CFPB ), created under this Act, enforces consumer protection laws, including those related to credit reporting.

Credit Repair Organizations Act ( CROA ) ( 15 USC 1679 ) : As outlined in the Credit Repair Organizations Act, credit reporting agencies are prohibited from engaging in deceptive practices related to credit repair, including the reporting of inaccurate information. I assert that the disputed accounts and inquiries must be removed to maintain the integrity of my credit file.

Equal Credit Opportunity Act ( ECOA ) ( 15 USC 1691 ) : Under the Equal Credit Opportunity Act, I am entitled to equal treatment in all credit transactions, including the accurate reporting of my credit information. The inclusion of inaccurate information may unfairly impact my ability to obtain credit or other services, violating my rights under the ECOA.

Fair Credit Billing Act ( FCRA Section 1666 ) Under FCRA Section 1666, I have the right to dispute billing errors, including charges for goods or services not accepted or not delivered as agreed. This right further supports the need for immediate investigation and correction of inaccuracies in my credit report.

Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 USC 1681c ) : Under the Fair and Accurate Credit Transactions Act, consumers are protected from reporting of outdated or incorrect information on their credit reports. Specifically, 2 of 4 FACTA requires that outdated addresses and inaccurate personal information be removed to prevent damage to a consumer 's creditworthiness.

Action Requested : I have provided the necessary documentation and expect these items to be blocked and deleted within four business days, as stipulated by the Fair Credit Reporting Act and FACTA. Failure to comply with this request may result in further legal action to protect my credit rating.

Same goes with the Equal Credit Opportunity Act ( ECOA ). This law protects me from being discriminated against based on your credit information, further reinforcing the importance of accurate reporting.

In accordance with the Dodd-Frank Wall Street Reform and Consumer Protection Act, I understand that I have the right to dispute and correct any inaccuracies in my credit report, as enforced by the Consumer Financial Protection Bureau ( CFPB ). Furthermore, under the Credit Repair Organizations Act ( CROA ), credit reporting agencies are required to adhere to fair and transparent practices in the reporting of credit information. I am also protected under the Equal Credit Opportunity Act ( ECOA ), which ensures I am not discriminated against based on my credit information. Additionally, pursuant to the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to have outdated or inaccurate information, including incorrect addresses or personal details, removed from my credit report. Given these protections, I request a thorough review and prompt resolution of the inaccuracies I have identified. I request it be removed immediately. 
I expect to receive an updated copy of my consumer report reflecting these deletions. 
Furthermore, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that all communication regarding this matter be conducted in writing only. 
Thank you for your prompt 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