Consumer complaint received 2024-11-06 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:
Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XX/XX/XXXX Dear Sir, Madam, or to whom elsewise it may concern I am writing to formally address the matter of account deletion or blocking following a data breach or unauthorized inquiries, as stipulated in FCRA Section 605B [ 15 U.S.C. 1681c-2 ] and FCRA Section 604 [ 15 U.S.C. 1681b ]. I respectfully dispute the accounts on my consumer credit report mentioned below, asserting that they are a direct result of a data breach or fraud. 

I request concrete and verifiable evidence, including my signature or electronic signature, to substantiate these actions. This letter represents my personal initiative, and I kindly urge you to scrutinize its contents. These actions transpired without my authorization, thereby infringing upon my consumer rights under the Fair Credit Reporting Act, specifically under Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. My attempts to engage with the involved companies revealed an absence of proper validation or original proof for their reporting actions. 
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Incorrect DOB : - XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

I kindly request the removal of the display that indicates an inaccurate Date of Birth in my report. The Date of Birth that I provided, which is factually correct, current, and complete, is as follows : XX/XX/XXXX. I must emphasize that I do not grant authorization for the retention or reporting of any personal identifier information that has not been proven true, correct, valid, and necessary, and is not in precise agreement with the personal identifiers I have submitted. Your attention to this matter is greatly appreciated. 

Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

I sincerely request that you ensure the accuracy, timeliness, and verifiability of my most up-to-date personal information. It is of utmost importance that the data pertaining to my credit profile adheres to the strict compliance guidelines set forth by FCRA ( Fair Credit Reporting Act ) and XXXX XXXX standards. To this end, I kindly ask you to promptly delete any address within your system that does not precisely match my own address :,,, and. Your diligent attention to this matter will be highly appreciated, as it contributes significantly to maintaining a reliable and efficient credit reporting system. 

Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

It is of utmost importance that your personal information in our records is current, precise, and readily verifiable. In order to comply with the standards set forth by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX, it is imperative that we possess the appropriate documentation for your credit profile. To ensure adherence to these regulations, I kindly request that you expeditiously remove any address within your system that does not correspond with my specified address of,,,. Your cooperation in rectifying this matter promptly is highly appreciated. 

XXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across XXXX, Experian, and XXXX violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - Please update this late payment to " Paid as agreed, never late, '' in compliance with 15 USC 1681i ( 5 ). This account is reporting inconsistencies and must be corrected to reflect accuracy across all three bureaus, or deleted for non compliance. If the reporting remains inaccurate, the account should be removed immediately to ensure compliance with 15 USC 1681e ( b ). 

The information presented in the upper section appears to lack proper compliance with reporting standards, and its accuracy, completeness, timeliness, and validation have not been verified. Therefore, I kindly request that you provide documented evidence of compliance with consumer laws and reporting standards. It is imperative that you take immediate action to remove any imperfect, inaccurate, incomplete, or unverified information. 

Furthermore, please refer to the image above for XXXX XXXX - XXXX to address any additional areas of concern. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( b ) collections must be 100 % accurate across all three bureaus. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX  XXXX, I hope this message finds you well. I would like to bring to your attention that the provided data has not been certified to meet the required reporting standards. Additionally, there are concerns about its completeness, accuracy, and validity. Therefore, I kindly request the removal of any incorrect or unsupported information from this page. 

XXXX - XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. 

Kindly remove any derogatory information related to the allegations from my credit report regarding the following account : XXXX - XXXX. I firmly believe that this item has been reported unjustly, without adequate verification, or even unlawfully. Hence, I would like to request the prompt deletion of any claims of late payments associated with this account, as mandated by the applicable laws. Thank you for your assistance in this matter. 
XXXX XXXX XXXX - XXXX XXXX. Obtaining information under false pretense. - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not Edit provided or the false reporting isn? t removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance. 

Kindly be advised that the information pertaining to XXXXXXXX XXXX XXXX - XXXX presented herein has not undergone the process of certification to adhere to any established reporting standards. The data provided can not be guaranteed for accuracy, currency, or comprehensiveness. Moreover, it is important to acknowledge that this information may potentially be incomplete, outdated, or lacking necessary support. Therefore, I would greatly appreciate the removal of any erroneous or unsupported content from this page. 

XXXX XXXX  XXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 

We would like to bring to your attention that the XXXX currently being reported, along with its corresponding account number XXXX, exhibits inconsistencies across the XXXX major credit reporting agencies. It is important to note that any discrepancy, incompleteness, inaccuracy, or omission in the reported information goes against the XXXX XXXX Data-filled Field Formatted reporting compliance standards, which are mandatorily enforced by the reporting industry. Deviation from these standards can potentially compromise the integrity of the data, as outlined in the XXXX XXXX XXXX, and thus, raises concerns about the legality of the reported item until all claims are verifiably true, correct, complete, timely, physically verifiable, and fully compliant with the aforementioned XXXX XXXX formatted industry requirements. Therefore, we kindly request your attention to the following suspect data fields associated with the contested reported item of injury. 

XXXX XXXX  - XXXX XXXX. Obtaining information under false pretense. - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not Edit provided or the false reporting isn? t removed ; as in XXXX v. 
XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. 

I express my profound disappointment regarding your failure to provide documented proof of compliance with reporting standards and consumer laws. This deficiency is significant, and I insist on the immediate deletion of this flawed report. Failure to comply will result in legal action for non-compliance with the relevant legal requirements. It is of utmost importance that we have a comprehensive understanding of the content displayed in documentaries, as it enables us to anticipate and address potential issues that may arise in the future. These issues, which could have been prevented had there been a commitment to accuracy over mere convenience, should not catch us off guard. 

INQUIRY - XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I recently obtained a copy of my credit report and, to my dismay, discovered several credit inquiries made by companies for which I have no recollection of granting authorization. It is my firm belief that placing an inquiry on my credit file without my explicit consent is in violation of the appropriate regulations. Therefore, I respectfully request that immediate action be taken to expunge this inquiry from my credit file. Furthermore, I kindly ask for the provision of comprehensive documentation attesting to the thorough investigation conducted and the subsequent removal of these unauthorized inquiries. Your prompt attention to this matter would be greatly appreciated. 

INQUIRY - XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I write to you today with a mixture of polite concern, disappointment, and frustration regarding the unfamiliar companies that have appeared on my credit report associated with my account under the name INQUIRY and identified by the account number XXXX XXXX  - XXXX. It has come to my attention that an inquiry has been made on my file without my knowledge or consent. It is essential to emphasize that such an occurrence should not be possible unless it has been duly approved by myself in advance. I bring to your attention the Fair Credit Reporting Act, which stipulates that all users must possess a valid and permissible purpose under the Act in order to obtain access to a credit report. In light of this, I kindly request that you promptly expunge this inquiry from my credit file, unless you are able to furnish me with appropriate documentation substantiating a permissible purpose for this inquiry. 

INQUIRY - XXXX XXXX USED - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I hope this message finds you well. I am writing to convey my deep disappointment and concern regarding my INQUIRY and XXXX XXXX USED - XXXX. Upon receiving my credit report today, I was disheartened to uncover an alleged hard inquiry, which I do not recall authorizing. I must insist on the expeditious provision of comprehensive documentation, accompanied by verifiable proof of signature, validating my supposed credit application with the company in question. Failure to comply with this request will leave me with no choice but to demand an immediate removal of the alleged inquiries from my credit report. I sincerely hope for a prompt resolution to this matter. 

INQUIRY - XXXX XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

INQUIRY - XXXX XXXX XXXX - XXXX I am writing to express my disappointment and frustration regarding the unauthorized inquiry on my credit report. As you are aware, the Fair Credit Reporting Act mandates that a creditor must be able to verify the written authorization of the consumer before conducting any review of their credit. 

If you can provide a copy of a credit application bearing my signature, authorizing the disclosure of my credit files, I will accept the inquiry. However, if a signed authorization can not be found, I demand that you immediately remove the inquiry from the XXXX main credit bureaus. 

I must emphasize that the presence of this inquiry on my credit report is adversely affecting my credit score and impeding my ability to obtain necessary credit. As such, I request a prompt response from you within XXXX ( XXXX ) days. 

I have noticed that you're using generic responses for consumer disputes, disregarding the specific information provided, which is illegal. Each dispute must be addressed individually. My letters were created using widely accessible software. Failure to process them violates 15 U.S. Code 5 1681i. Please note that delaying consumer letters based on third-party help is not legally acceptable. I am the author of any letters bearing my name. Neglecting timely processing will be seen as intentional disregard of my consumer rights, leading me to involve my lawyer for legal action. 

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