Consumer complaint received 2024-04-08 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: AZ

Complaint narrative:
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 These accounts have been deleted 3 times and have been reinserted. 

IM UNAWARE OF THESE ACCOUNTS. I didnt have the opportunity to dispute this information. If in fact, you believe you gave me proper notification. PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY NAME ON IT, AND ADDRESS. 

THEY ARE REMOVING ALL THE ACCOUNTS AND REINSERTED THEM EITH DIFFERENT ACCOUNT NUMBERS AND INFORMATION XXXX DIFFERENT TIMES. THEY ARE IN VOLITION ON SO MANY OCCASIONS. 






Dispute of Unauthorized Information Reporting I hope this letter finds you in good health. I am writing to dispute the unauthorized reporting of my personal information by your organization under the provisions of 15 USC 1681. 

According to my understanding of the Fair Credit Reporting Act ( FCRA ), it is a requirement that a consumer provides written consent before any credit bureau can furnish or obtain their personal information. I have reviewed my records and found no evidence of providing such consent to your organization. 

Therefore, I kindly request that you immediately cease the reporting of my personal information and remove any unauthorized information from my credit file. I also request that you provide me with written confirmation of the actions taken to rectify this matter. 

Please be advised that the unauthorized reporting of my personal information is not only a violation of my rights under the FCRA but also undermines my privacy and may have adverse consequences on my financial well-being. I trust that you will take this matter seriously and promptly address it. 

Enclosed with this letter are copies of relevant documents, including [ list any supporting documents you are including, such as proof of lack of consent or any other relevant information ]. I urge you to review these documents carefully and investigate the matter thoroughly. 

I kindly request that you provide a written response within 30 days of receiving this letter, confirming the resolution of this dispute and the removal of any unauthorized information from my credit file. Failure to do so will leave me with no choice but to pursue all available legal remedies to protect my rights. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution and a satisfactory outcome. 

Sincerely, XXXX XXXX Subject : Dispute of Unauthorized Information Reporting I am writing to formally dispute the unauthorized reporting of my personal information by your organization, as outlined in 15 USC 1681. It has come to my attention that you have been furnishing and obtaining my personal information without obtaining my written consent, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have thoroughly reviewed my records and have found no evidence of providing written consent to your organization to furnish or obtain my personal information. As such, I demand that you immediately cease the reporting of my personal information and take the necessary steps to remove any unauthorized information from my credit file. 

I must emphasize the importance of rectifying this matter promptly. The unauthorized reporting of my personal information not only infringes upon my privacy rights but also has the potential to negatively impact my financial well-being. It is essential that you take immediate action to rectify this situation. 

Enclosed with this letter, please find copies of relevant documents supporting my claim, including [ list any supporting documents you are including, such as proof of lack of consent or any other relevant information ]. I urge you to carefully review these documents and conduct a thorough investigation into this matter. 

I expect a written response from your organization within 30 days of receiving this letter, confirming the resolution of this dispute and the removal of any unauthorized information from my credit file. Failure to comply with this request may leave me with no choice but to pursue all available legal remedies to protect my rights. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the seriousness it deserves and take the necessary steps to rectify the unauthorized reporting of my personal information. 

Sincerely, 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 non-monetary relief