Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
I am writing to demand the immediate removal of inaccurate and derogatory information from my credit report. The accounts listed below are reported incorrectly and do not meet the compliance standards outlined by the XXXX XXXX XXXX XXXX ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). 

The following accounts are in dispute : I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX XXXX Inquiry Date : XX/XX/year> I am disputing this hard inquiry under the Fair Credit Reporting Act, Section 1681e, as it is inaccurate and unauthorized. I have not initiated any transactions or applied for credit with the company that made this inquiry. Therefore, I request its immediate removal from my credit report to ensure maximum accuracy XXXX XXXX Inquiry Date : XX/XX/year> Under 15 USC 1666B, this is a billing error. Always paid as agreed on time. This is an error. This account is in violation. 
XXXX XXXX  XXXX Please update the late payments all payments were made on time. 
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXXXXXX Cease and Desist ASAP. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXXXXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Cease and Desist ASAP. 

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX Cease and Desist ASAP Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this debt. 
XXXX XXXX XXXX XXXXXXXX Cease and Desist ASAP Under 15 U.S. Code 1681s-2, the FCRA mandates that XXXX of information to credit reporting agencies ensure the maximum possible accuracy of the information they provide. The inaccurate information currently on my credit report is a violation of this statute. 

Moreover, I have already filed complaints regarding this matter with the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX, and the Federal Trade Commission ( FTC ). These complaints highlight the non-compliance with XXXX XXXX standards and the resulting harm to my creditworthiness.

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