Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe are inaccurate. Upon reviewing my Experian credit report, I identified the following accounts that appear to be incorrect or are being reported inaccurately. I request that these items be investigated and removed from my credit file. 
Disputed Items : XXXX. XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. XXXX XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while XXXX  XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. 

XXXX. XXXXXXXX XXXX XXXX XXXX  ( Repeated XXXX  times ) * Account Number : XXXX * Reason for Dispute : The same account is listed XXXX times on my credit report. These duplicates should be removed, and the accounts should be deleted due to an approved XXXX XXXX XXXX XXXX ( XXXX ) discharge. Please refer to the attached XXXX discharge letter from the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violationXXXX XXXX  XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while XXXX  XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported incorrectly and should be deleted. 

XXXX. XXXX XXXX  Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. XXXX  XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while XXXX XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within 30 days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. XXXX XXXXXXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while XXXX  XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. The account is being reported inaccurately and should be deleted. 

XXXX. XXXX XXXX XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. 

XXXX. XXXX XXXX XXXX ( Repeated XXXX  times ) * Account Number : XXXX * Reason for Dispute : The same account is listed 8 times on my credit report. These duplicates should be removed, and the accounts should be deleted due to an approved XXXX XXXX XXXX XXXXXXXX ( XXXX  ) discharge. Please refer to the attached XXXX  discharge letter from the XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX  days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted. 

XXXX. XXXX XXXXXXXX XXXX  XXXX * Account Number : XXXX * Reason for Dispute : Under FCRA XXXX XXXX, a credit report can only be accessed for permissible purposes, such as credit transactions, employment, or insurance underwriting, and unauthorized access constitutes a violation. Section XXXX mandates that credit reporting agencies must maintain accurate information and implement reasonable procedures to prevent improper reporting, while Section XXXX provides consumers the right to dispute inaccuracies or unverifiable information, requiring the credit bureaus to investigate and delete any unverified data within XXXX days. If a credit report is accessed or reported improperly, consumers can dispute it, and if the information is inaccurate or not verified, it must be corrected or deleted.

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