Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to dispute accounts and inquiries reported on my consumer credit report referenced below, which are the result of unauthorized inquiries. I demand verifiable proof bearing my signature or electronic signature, as I never authorized such actions. This constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B, regarding the block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604.

Regarding the disputes with Experian, I am providing the following details : Erroneous Personal Information : XXXX. XXXX XXXX XXXX - Rectify immediately by verifying and removing this item. 
Erroneous Address Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX - Rectify immediately by verifying and removing this item. 

XXXX. XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Rectify immediately by verifying and removing this item. 

XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX - Rectify immediately by verifying and removing this item. 

Erroneous Employer Information : XXXX. XXXX XXXX - Rectify immediately by verifying and removing this item. 

XXXX. XXXX XXXX - Rectify immediately by verifying and removing this item. 

Billing Errors and Inaccurate Reporting : XXXX. XXXX XXXX  XXXX XXXX, Account Number : XXXX ( Auto Loan ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX ( Secured Credit Card ) - Billing error under 15 USC 1666B. Payments are always on time. Rectify inaccurate late payment reports. 

XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX - ( Secured Credit Card ) - Billing error under 15 USC 1666B. Payments are always made on time. Rectify inaccurate late payment reports. 

XXXX. XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX ( Unsecured Loan ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. XXXX XXXX XXXX, Account Number : XXXX ( Deposit ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. XXXX, Account Number : XXXX ( Credit Card ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX ( Unsecured Loan ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. XXXX XXXX, XXXX, Account Number : XXXX ( Secured Credit Card ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. DEPT OF EDUCATIONXXXX, Account Number : XXXX ( Education Loan ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

XXXX. XXXX XXXX, Account Number : XXXX ( Credit Card ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 

Unauthorized Inquiries : XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 
XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 
XXXX. XXXXXXXX XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

The listed items are gravely inaccurate and represent a severe error.

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