Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
This CFPB complaint has been filed to request concerning FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX, and Experian be advised that there's information appearing on my consumer credit report that is the result of identity theft and fraud. I believe this information may be linked to the exposure of my personal information during previous and recent data breaches. Which compromised sensitive information for millions of consumers and could have contributed to the inaccuracies or fraudulent activity on my credit report.

I am writing to report and formally dispute the inaccurate and unverifiable information on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. The following account ( s ) are being reported incorrectly as I did not authorize nor do I recognize these accounts. Therefore, they must be deleted immediately : XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Business Type : Automobile Dealers XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies ALLY FINANCIAL Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing Companies XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Auto Financing Companies XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies CONSUMER XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX Inquired on XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX : Credit Unions XXXX XXXX, XXXX CITIZENS BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you ; were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Legal Basis for Immediate Removal : 1. 15 U.S.C. 1681i Under the FCRA, the burden of proof is on the furnisher of information. If you can not verify this account within 72 hours, it must be deleted.

2. 15 U.S.C. 1681g I request all records used to verify the listed accounts, including the original signed contract with my wet-ink signature. If such proof can not be provided, this account must be removed.

I am also writing to dispute incorrect variations of my name listed on my credit report under the Fair Credit Reporting Act ( FCRA ). Accurate information is essential for fair credit reporting, and it is my legal right to have this inaccuracy corrected.

Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true address, which is : XXXX XXXX XXXX XXXX XXXX, MI XXXX Inaccurate Information Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Former XX/XX/XXXX XXXX XXXX, MI XXXX Additoinally XXXX I previously submitted a dispute, along with an official letter from the United States Bankruptcy Court for the XXXX XXXX XXXX XXXX, which explicitly states that they do not report individual bankruptcy filings to credit bureaus. Despite this, my dispute was denied, and the inaccurate bankruptcy remains on my report.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting that you provide : 1. A detailed description of your method of verification, including the name and contact information of the entity that provided this information.

2. Proof that you obtained this bankruptcy information from a verifiable and accurate source, rather than an unverified third-party database.

3. Immediate removal of this bankruptcy if you can not provide documented proof that it was directly verified with the court.

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