Consumer complaint received 2024-09-08 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: GA

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Reporting of Car Loans Not Belonging to Me Dear Experian, I am writing to dispute two inaccurate entries on my credit report that do not belong to me. These two accounts are negatively affecting my credit and are erroneous. Below are the details of the accounts I am disputing : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Dispute of Ownership of Accounts : I am not associated with these loans and have never held an account with XXXXXXXX XXXX or XXXX XXXX XXXX. I did not apply for, open, or authorize any loans or credit transactions with these entities. Therefore, the reporting of these accounts on my credit file is inaccurate and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Request for Verification and Immediate Removal : Under Section 611 of the FCRA, I am requesting a thorough investigation and verification of these accounts. Please provide documentation that shows that I am responsible for these accounts. If no such documentation exists, I request the immediate deletion of these accounts from my credit report. 

XXXX. Identity Verification : Enclosed you will find a copy of my government-issued ID, proof of address, and a copy of my Social Security card to confirm my identity and ensure this dispute is properly processed. 

As you are required by law, I expect that you will complete your investigation and respond within the 30-day time frame prescribed by the FCRA. Should you fail to remove these erroneous accounts, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal options.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these inaccuracies from my credit report.

Per 15 USC1681n ( a ) ( 1 ) ( A ) of the FCRA allows consumers to recover up to {$1000.00} 15 U.S. Code 1681b - Permissible purposes of consumer reports I am challenging any hard inquires or unauthorized accounts without a permissible purpose. 15 U.S. Code 1666b - Timing of payments Also I noticed some incorrect personal information being reported on my credit which I am demanding to be correct immediately! Please be advised that failure to comply with the FCRA and Metro 2 standards will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for noncompliance. Thank you for your prompt attention to this matter. I expect a response within the time frame prescribed by the FCRA ( 30 days ). You can contact me via the information listed above if further details are required. 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 explanation