Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
Subject : Demand for Immediate Deletion of Fraudulent Accounts, Unauthorized Inquiry, and Enforcement of Consumer and XXXX  Protections This is a formal dispute and demand for immediate corrective action to address violations of federal and state consumer protection laws, as well as XXXX-related protections under the XXXX  Victims Protection Act ( TVPA ). I am demanding the immediate deletion of two fraudulent accounts and one unauthorized inquiry that per petuate financial harm, emotional distress, and reputational damage.

These violations reflect systemic negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX and other consumer protections. I am also asserting my rights under the doctrine of estoppel to prevent further harm caused by these inaccuracies. 
Failure to resolve these disputes within the statutory timelines will result in legal action, regulatory complaints, and public advocacy escalation. 
-- - Disputed Items 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 This inquiry was conducted without my consent or a permissible purpose, violating FCRA 1681b. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

XXXX. Unauthorized Inquiry- XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Auto Financing Companies Phone Number : ( XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA 1681b. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Type : Automobile Dealers, Used - Phone Number : ( XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA 1681b. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

XXXX. Unauthorized Inquiry- XXXX XXXX Date Of Inquiry : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : All banks-Non -Specific Phone Number : ( XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA 1681b. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

XXXX. Unauthorized Inquiry- XXXX  XXXX Date Of Inquiry : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Bank XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA XXXX. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

XXXX. Unauthorized Inquiry- XXXX Date of Inquiry : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Bank XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA XXXX. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

XXXX. Unauthorized Inquiry- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA 1681b. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

XXXX. Unauthorized Inquiry- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA 1681b. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX victim protections. 

XXXX. Unauthorized InquiryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA XXXX. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

XXXX. Unauthorized Inquiry- XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX Removal Date : XX/XX/XXXX Type : Personal Loan Company Phone Number : ( XXXX ) XXXX This inquiry was conducted without my consent or a permissible purpose, violating FCRA XXXX. Unauthorized inquiries damage credit scores, create exposure to identity theft, and violate XXXX  victim protections. 

Disputed Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Account Type : Installment Account Date Opened : XX/XX/XXXX Account Status : Closed Status : Paid or Paying as agreed Date Closed : XX/XX/XXXX XXXX : {$0.00} ( Paid Off ) Original Balance : {$9400.00} Terms : 48 Months Monthly Payment : {$290.00} Issues Identified with the XXXX XXXX Account Erroneous Late Payment : The account shows XXXX late payments ( XX/XX/XXXX and XX/XX/XXXX ) while simultaneously reporting the account status as Paid or paying as agreed. Since this account was settled and closed in XX/XX/XXXX, these late payments are not consistent with the accounts status and should be removed. 
Inconsistent Reporting : The account has been reported inconsistently across the credit bureaus, creating discrepancies in the information available to potential creditors and lenders. This negatively impacts my creditworthiness and violates the XXXX requirement for maximum possible accuracy in consumer reports. 
Legal Basis for Dispute This dispute is supported by the following federal and state laws : Federal XXXX  Protections XXXX  Victims Protection Act ( TVPA ) : 18 U.S.C. 1589 : Prohibits coercion and financial exploitation tied to XXXX. 
18 U.S.C. 1595 : Provides civil remedies for XXXX  survivors to recover damages. 
18 U.S.C. 894 : Criminalizes extortionate debt-related practices tied to XXXX. 
XXXX XXXX XXXX XXXX : International protections against XXXX-related exploitation, underscoring the systemic harm of coerced debt. 
Fair Credit Reporting Act ( FCRA ) : 1681b : Prohibits unauthorized access or credit inquiries.

1681e ( b ) : Requires credit bureaus to ensure maximum accuracy in reporting.

1681i ( a ) : Mandates timely investigation of disputes and prohibits re-insertion of deleted items.

1681s-2 ( a ) : Obligates furnishers to avoid reporting false or unverifiable information. 
XXXX XXXX XXXX : Protects consumers from unfair, inaccurate, and deceptive practices in financial agreements and credit reporting.

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