Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to complain that I am not able to retrieve my own credit report or lock and unlock my own credit when needed. XXXX has prevented this and I can only call them to have this done, which is an inconvenience when it maybe needed after business hours!! I had to call free annual credit report and request them mail me a copy of my credit report! I have received notices of several data breaches and that ALL of my personal information including my Social Security number is on the Dark Web! 

I also am writing to formally dispute several inaccuracies on my credit report, including unauthorized inquiries, improperly reported bankruptcies, and accounts listed with derogatory status despite their inclusion in bankruptcy discharge. Please consider this correspondence as a request to investigate, correct, and remove these erroneous items under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. in accordance with my rights. 

Despite my previous attempts to dispute these inaccuracies, they remain uncorrected and unverified. It is essential that these errors are addressed promptly to comply with FCRA accuracy requirements. 

XXXX. Unauthorized Credit Inquiries The following credit inquiries appear on my report without my authorization. I neither requested nor provided consent for these inquiries : 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 XXXXXX/XX/XXXX These inquiries were unauthorized and, as such, violate FCRA provisions regarding permissible purposes for credit inquiries ( 15 U.S.C. 1681b ). I request that these inquiries be removed from my credit report as they were not initiated by me or any action of mine. If the furnisher believes these inquiries are valid, I request documentation showing my explicit consent for each inquiry.

2. Improper Reporting of Bankruptcies My credit report incorrectly reflects XXXX bankruptcy cases that the court confirmed should not be reported to credit bureaus. In particular : XXXX. XXXX  XXXX Bankruptcy - XX/XX/XXXX, listed as Dismissed with a {$0.00} balance. 
XXXX. XXXX  XXXX Bankruptcy - XX/XX/XXXX, listed as Discharged with a {$0.00} balance. 

Per the courts confirmation, they do not report these cases to credit bureaus. Additionally, Under the FCRA, this inaccurate reporting causes undue harm to my creditworthiness. I request an immediate correction and removal of any reference to these cases.

3. Accounts Improperly Listed as Derogatory Despite Bankruptcy Discharge I have identified certain accounts on my report that continue to be listed as derogatory, even though they were included and subsequently discharged in bankruptcy. Reporting derogatory status, or delinquent payments on discharged debts contravenes FCRA accuracy requirements ( 15 U.S.C. 1681e ( b ) ) and FDCPA protections. I request an investigation and prompt removal of any delinquent designations on accounts included in my bankruptcy. 
XXXX. XXXX  XXXX XXXX Reported : XXXX. XXXX, XXXX - {$0.00} Closed Overview You have 0 % left to pay on this loan. 

Balance : {$0.00} Highest Balance : $ 945 Monthly payment : {$0.00} Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term : No Info Payment History Last payment : No Info Current Payment Status : No Info Worst Payment Status : No Info Account Details Account status : Derogatory Type : Unsecured loan Responsibility : Individual Remarks : Chapter XXXX bankruptcy Times XX/XX/XXXX days late : XXXX Closed : XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$0.00} Closed Overview You're currently using 0 % of your account 's limit. 

Balance : {$0.00} Credit limit : $ 700 Monthly payment : {$0.00} Opened : XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Last payment : XXXX XXXX, XXXX Current Payment Status : No Info Amount past due : {$0.00} Worst Payment Status : No Info Account Details Account status : Derogatory Type : Credit Card Responsibility : Individual Remarks : XXXX  XXXX ; dispute of account information Times XX/XX/XXXX days late : XXXX Closed : XXXX XXXX, XXXX Conclusion As I have previously disputed these inaccuracies multiple times without correction or verification, I respectfully request that these issues be prioritized and resolved. Please complete your investigation within the 30-day statutory timeframe and provide a corrected credit report reflecting the removal of these inaccuracies. For each disputed item, I request all relevant information used to verify the accuracy of the entry, including any documentation proving that I consented to each of the inquiries. 

Thank you for your prompt attention to these matters. I trust that these errors will be corrected to ensure compliance with the FCRA and uphold the integrity of my credit report. 

Sincerely, 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