Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inclusion of certain collection accounts and unauthorized hard inquiries on my credit reports, which I believe to be inaccurate and unverified. These inaccuracies are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and have caused significant harm to my creditworthiness. Below, I have detailed the specific items in question and my requests for immediate resolution. 

Details of Disputed Hard Inquiries XXXX ( XXXX inquiries ) : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX inquiries ) : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian ( XXXX inquiries ) : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Details of Disputed Fraudulent Accounts Experian : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Formal Requests Pursuant to 15 U.S.C. 1681i ( Section XXXX ) and 15 U.S.C. 1681s-2 ( Section XXXX ) of the FCRA, I am requesting the following actions : XXXX. Validation of Information : Provide documentation associated with each account and inquiry listed above, including contracts or agreements bearing my signature.

2. Investigation and Resolution : Investigate these matters promptly and remove or correct the disputed information if the creditors or furnishers can not verify or validate the debts.

3. Immediate Deletion of Unauthorized Items : In the absence of proper documentation, delete all fraudulent accounts and inquiries from my credit report. 

Legal Notice Please be advised that you are required to complete this investigation within 30 days of receiving this letter, as mandated by the FCRA. Failure to comply with this timeline or to provide sufficient evidence of authorization will be considered a willful violation of my consumer rights under the FCRA and may expose you to statutory damages under 15 U.S.C. 1681n.

If this matter is not resolved, I am prepared to seek actual damages, which may exceed {$1000.00}, for each violation. However, I am willing to settle this matter amicably and accept {$1000.00} as compensation for the damages incurred. 

Please remit payment via certified funds to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Supporting Documentation Attached to this letter are the following : XXXX. A copy of my government-issued identification. 
XXXX. Highlighted credit reports from Experian, XXXX, and XXXX detailing the disputed accounts and inquiries. 

This matter has significantly affected my financial stability, and I trust you will act swiftly and professionally to resolve it. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Your Contact Information ] This version uses more formal language, organizes information clearly, and emphasizes the legal obligations of the recipient. Let me know if you need further adjustments. 
Heres a restructured and polished version of your statement : Subject : Formal Dispute of Fraudulent Accounts and Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute the inclusion of certain collection accounts and unauthorized hard inquiries on my credit reports, which I believe to be inaccurate and unverified. These inaccuracies are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and have caused significant harm to my creditworthiness. Below, I have detailed the specific items in question and my requests for immediate resolution. 

Details of Disputed Hard Inquiries XXXX ( XXXX inquiries ) : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX inquiries ) : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian ( XXXX inquiries ) : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Details of Disputed Fraudulent Accounts Experian : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Formal Requests Pursuant to 15 U.S.C. 1681i ( Section XXXX ) and 15 U.S.C. 1681s-2  ( Section XXXX ) of the FCRA, I am requesting the following actions : XXXX. Validation of Information : Provide documentation associated with each account and inquiry listed above, including contracts or agreements bearing my signature.

2. Investigation and Resolution : Investigate these matters promptly and remove or correct the disputed information if the creditors or furnishers can not verify or validate the debts.

3. Immediate Deletion of Unauthorized Items : In the absence of proper documentation, delete all fraudulent accounts and inquiries from my credit report. 

Legal Notice Please be advised that you are required to complete this investigation within 30 days of receiving this letter, as mandated by the FCRA. Failure to comply with this timeline or to provide sufficient evidence of authorization will be considered a willful violation of my consumer rights under the FCRA and may expose you to statutory damages under 15 U.S.C. 1681n.

If this matter is not resolved, I am prepared to seek actual damages, which may exceed {$1000.00}, for each violation. However, I am willing to settle this matter amicably and accept {$1000.00} as compensation for the damages incurred. 

Please remit payment via certified funds to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Supporting Documentation Attached to this letter are the following : XXXX. A copy of my government-issued identification. 
XXXX. Highlighted credit reports from Experian, XXXX, and XXXX detailing the disputed accounts and inquiries. 

This matter has significantly affected my financial stability, and I trust you will act swiftly and professionally to resolve it. I look forward to your prompt response. 

Sincerely, 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