Consumer complaint received 2024-10-11 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: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX Texas, XXXX Subject : Formal Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is submitted in accordance with my rights under various federal laws, including : XXXX USC XXXX : Governs the disclosure of my nonpublic personal information. I do not consent to the sharing of my personal financial data beyond what is legally permissible under this statute. 
XXXX USC XXXX ( XXXX ) : Affirms my right to accurate reporting of credit information. The inaccurate item ( XXXX ) in question do not comply with this standard. 
XXXX USC XXXX ( XXXX ) : Specifies my right to dispute information I believe to be incorrect or misleading. 
XXXX USC XXXX : Establishes criminal penalties for identity theft. I suspect that some of the erroneous entries on my credit report XXXX be due to identity theft, which would be a violation of this statute. 
XXXX USC XXXX : Grants me the right to request the removal of fraudulent information from my credit report due to identity theft. I believe that the items listed below may have been added to my report without my authorization and potentially involve fraudulent activity. 

Inaccurate Information : XXXX XXXX XXXX : Account # XXXX Inaccurate information on my credit report. 

XXXX point : Account # XXXX Inaccurate Information on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate Information on my credit report. A third party that I did not give consent to report anything on my credit report. 

XXXX credit service : Account # XXXX Inaccurate information on my credit report. A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX : Account # XXXX A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX. 
Account # XXXX Inappropriate use of credit report. I did not give the any consent to report anything on my credit report. 

Given these protections under XXXX law, I respectfully request that you : XXXX. XXXX a thorough investigation of the inaccurate or fraudulent items. 
XXXX. Remove or correct the inaccurate information promptly. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Enclosed are copies of relevant documents supporting my claim, including my identification, credit report, and any other materials necessary for your investigation. 

Please confirm receipt of this letter and keep me informed on the progress of the investigation. I expect your response and confirmation of action within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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