Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
**What happened? ** In XX/XX/XXXX, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : - RCA ( Inquiry Date : 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 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 XXXX  ) These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

XXXX XXXX XXXX Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are XXXX collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full, and their continued reporting is erroneous and damaging to my credit 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 XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} - Account Status : Paid - Last Reported : XX/XX/XXXX Both accounts are fully paid, yet they are still reported as collection accounts. This is a violation of my rights under the FCRA, as it misrepresents my credit history and unfairly impacts my creditworthiness. 

XXXX XXXX XXXX Legal Basis for My Dispute : The FCRA mandates that consumer reporting agencies and furnishers of information ensure the accuracy, fairness, and privacy of information included in credit reports. The unauthorized inquiries and misreported collection accounts violate the following sections : - 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports, restricting access only to those with legitimate authorization.

- 15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers to correct and update information after receiving a dispute.

- 15 U.S.C. 1681e ( b ) : Ensuring maximum possible accuracy of the information contained in consumer reports. 

Additionally, the Federal Trade Commission ( FTC ) has issued clear guidelines supporting consumer rights in such disputes. Failure to rectify these errors promptly could lead to further legal action, including penalties under the FCRA. 

XXXX XXXX XXXX Request for Resolution : I am requesting that the unauthorized inquiries and inaccurate collection accounts listed above be investigated and removed from my credit report. Please confirm the removal and any corrective action taken within 30 days, as required by law.

Failure to address this issue may result in further action to enforce my rights under the FCRA.

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