Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute two hard inquiries on my credit report that should not be present, as they have already been disputed multiple times without being deleted. Additionally, one of these inquiries has exceeded the two-year period required by the Fair Credit Reporting Act ( FCRA ) for removal. I am also submitting a police report supporting my claim that at least XXXX of these inquiries was made without my authorization. 
Hard Inquiries to Be Removed : XXXX. XXXX XXXXXXXX XXXX  o Date of Inquiry : XX/XX/XXXX o Reason : This hard inquiry exceeds the two-year period mandated by the FCRA for removal. According to Section 605 ( a ) ( 5 ) of the FCRA, hard inquiries must be deleted from credit reports after two years from the date they were made. This inquiry should be removed immediately. 
XXXX. XXXX XXXX XXXX. Date of Inquiry : XX/XX/XXXX XXXX. Reason : This hard inquiry was not properly authorized or was made without my consent, as I have previously disputed. I also believe this inquiry was potentially the result of fraud or an administrative error. 
5. Issue : 6. Despite multiple previous disputes regarding these hard inquiries, they remain on my credit report. Additionally, I have submitted a police report confirming that at least one of these inquiries was made without my authorization, indicating a possible fraudulent or incorrect inquiry. Under both federal and state laws, these inquiries should be deleted as they are incorrect.

7. Fair Credit Reporting Act ( FCRA ) : 8. Section 605 ( a ) ( 5 ) : According to this section of the FCRA, hard inquiries must be removed from credit reports after two years from the date they were made. Since the XXXX XXXXXXXX XXXX inquiry from XX/XX/XXXX has already passed this two-year period, it should be deleted from my credit report immediately. 
9. The New York Consumer Protection Law ( N.Y. Gen. Bus. Law 380-j ) requires credit reporting agencies to maintain the accuracy of credit reports and to remove any incorrect or unverifiable information. These hard inquiries have not been verified properly and should be deleted according to the law. 
10. Additionally, the New York Identity Theft Law ( N.Y. Penal Law 190.78 ) stipulates that if these inquiries were made without my consent, they must be deleted, and any damages caused by potential fraud must be corrected.

11. A police report has been submitted, confirming that at least one of these hard inquiries was made without my consent. Under the FCRA and New York Law, any incorrect or unauthorized information on credit reports must be removed, especially when evidence of fraud is provided. 

Request for Correction of Late Payment for XXXX # XXXX Dear XXXX, Experian, and XXXX XXXX I am writing once again to dispute a late payment that has repeatedly appeared on my credit report despite having been disputed multiple times. Specifically, the late payment for XXXX ( Account Number : # XXXX ) continues to appear on my credit report, and it has not been corrected or removed. I request that this matter be addressed without further disputes, as this is the fourth time I am raising this issue. 
Details of the Late Payment : Reporting Entity : XXXX Account Number : # XXXX Reason for Dispute : This late payment has been disputed multiple times, yet it has not been corrected or removed. I request the removal or correction of this error since, by law, it is either incorrect or outdated. 
XXXX. Fair Credit Reporting Act ( FCRA ) : According to the FCRA ( Section 607 ( b ) ), all information reported to credit agencies must be accurate, verifiable, and updated. If an item is disputed and can not be verified, it must be deleted or corrected. Since this late payment has been disputed multiple times and remains unverified, it must be corrected or removed as required by the FCRA.

2. New York Consumer Protection Law ( N.Y. Gen. Bus. Law 380-j ) : The New York Consumer Protection Law mandates that credit reporting agencies maintain accurate and fair reporting of information. If information on a credit report is incorrect, as is the case with this late payment, it must be corrected or removed in accordance with the law.

3. New York Identity Theft Law ( N.Y. Penal Law 190.78 ) : If this late payment was caused by an error or fraud, the New York Identity Theft Law requires that the erroneous information be removed from my credit report. Fraudulent or incorrect information must be corrected immediately.

4. FCRA Dispute Resolution Standards ( Section 611 ) : The FCRA stipulates that if a consumer disputes an error on their credit report and the credit agency can not verify the accuracy of the information within 30 days, the disputed information must be removed or corrected. 

Dispute of Collection Account - XXXX XXXX XXXX  # XXXX Dear [ Credit Bureau Name : XXXX/Experian/XXXX  ], I am writing to dispute a collection account reported by XXXX XXXX XXXX ( Account Number XXXX XXXX XXXX ) on my credit report. This collection account is inaccurate and not verified, and I request its immediate removal from my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ) and New York State laws. 
Details of the Collection Account : Reporting Agency : XXXXXXXX XXXX XXXX Account Number : # XXXX Reason for Dispute : This collection account is inaccurately reported on my credit file, and I believe it is either invalid, unverified, or otherwise not substantiated. I am requesting immediate removal of this item from my credit report. This is my legal right under the Fair Credit Reporting Act ( FCRA ) and applicable New York State consumer protection laws.

1. Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) : Under the FCRA, any information reported to the credit bureaus must be accurate and verifiable. If a disputed item can not be verified within a reasonable time ( typically 30 days ), it must be removed from the credit report. I demand that XXXX XXXX XXXX provide full validation of the debt within 30 days. If they can not verify this debt, this collection must be deleted immediately. 
2. New York State Consumer Protection Law ( N.Y. Gen. Bus. Law 380-j ) : New York State law mandates that all information reported to credit agencies must be truthful and accurate. If the information related to this collection account is incorrect, unverified, or fraudulent, it must be deleted. As a New York consumer, I have the right to dispute any erroneous information, and XXXX XXXX XXXX must provide sufficient evidence if the debt is legitimate. 
3. Fair Debt Collection Practices Act ( FDCPA ) Section 809 : Under the FDCPA, I have the right to request validation of any debt reported. If the collection agency can not provide proper documentation or validation within 30 days of this dispute, they are legally obligated to remove the collection from my credit report. I request that XXXX XXXX XXXX provide full validation of this debt, including the original creditor, the amount owed, and any relevant documentation supporting their claim. 
4. New York State Identity Theft Law ( N.Y. Penal Law 190.78 ) : If this debt is a result of identity theft or fraud, New York State law requires the immediate removal of fraudulent information from the credit report. If XXXX XXXX XXXX can not validate this debt or if it is proven to be fraudulent, the account must be deleted without delay. 

1. Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) : Under the FCRA, any information reported to the credit bureaus must be accurate and verifiable. If a disputed item can not be verified within a reasonable time ( typically 30 days ), it must be removed from the credit report. I demand that XXXX XXXX XXXX provide full validation of the debt within 30 days. If they can not verify this debt, this collection must be deleted immediately. 
2. New York State Consumer Protection Law ( N.Y. Gen. Bus. Law 380-j ) : New York State law mandates that all information reported to credit agencies must be truthful and accurate. If the information related to this collection account is incorrect, unverified, or fraudulent, it must be deleted. As a New York consumer, I have the right to dispute any erroneous information, and XXXX XXXX XXXX must provide sufficient evidence if the debt is legitimate. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) Section 809 : Under the FDCPA, I have the right to request validation of any debt reported. If the collection agency can not provide proper documentation or validation within 30 days of this dispute, they are legally obligated to remove the collection from my credit report. I request that XXXX XXXX XXXX provide full validation of this debt, including the original creditor, the amount owed, and any relevant documentation supporting their claim. 
4. New York State Identity Theft Law ( N.Y. Penal Law 190.78 ) : If this debt is a result of identity theft or fraud, New York State law requires the immediate removal of fraudulent information from the credit report. If XXXX XXXX XXXX can not validate this debt or if it is proven to be fraudulent, the account must be deleted without delay. 


Dispute Reason : This charge-off account has not been properly validated, and as a consumer, I am requesting that it be removed from my credit report. I demand that this account be deleted as it has been incorrectly reported. 
Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) : The FCRA requires that all information reported must be accurate and verifiable. If a debt is disputed and can not be verified within 30 days, it must be removed. I demand that XXXX XXXX XXXX provide complete validation of the debt within this timeframe. If they can not validate it, they are required to remove it from my credit report. 
2. New York State General Business Law Section 380-j : New Yorks Consumer Protection Law mandates that all information reported on credit reports must be accurate and verified. If XXXX XXXX XXXX can not provide verification of this debt, they must remove the collection account from my credit report I am writing to formally dispute the incorrect re-insertion of the account [ XXXX XXXX # XXXX ] into my credit report after this account was previously deleted. I would like to express my serious concern regarding the lack of appropriate action taken to correct this situation, and I request that this account be permanently removed from my report and not reinserted in the future. This dispute is based on both federal and New York state laws that protect my rights as a consumer. 

1. Prohibition of Re-insertion under the FCRA ( Fair Credit Reporting Act ) : Under Section 605 ( b ) of the FCRA ( Fair Credit Reporting Act ), once an account is removed from a credit report, it can not be reinserted unless the original creditor has verified and provided appropriate documentation for its re-reporting. Since no additional evidence has been provided justifying the re-insertion of this account, XXXX is not authorized to re-add this account to my credit report. According to the law, such re-insertion can not be validated without proper verification. 

XXXX. Legal Protection under New York General Business Law : The New York General Business Law ( NYGBL ), specifically Sections 380-a to 380-j, ensures that consumers have the right to an accurate and verifiable credit report. If XXXX can not provide proper validation for this account and appropriate action has not been taken to ensure the accuracy of the information, then the re-insertion of this account violates my rights under New York 's consumer protection law. I request that this account be permanently removed with no future re-insertion. 
XXXX. Illegal Reporting Practices Fair Debt Collection Practices Act ( FDCPA ) : According to the Fair Debt Collection Practices Act ( FDCPA ), reporting inaccurate or unverifiable information on my credit report is an illegal act. If this debt has not been properly validated, and it was previously deleted, its re-insertion is a fraudulent act that goes against the provisions of the FDCPA. This represents a direct violation of my rights under federal law, which provides protections against the erroneous handling of consumer credit reports. 
4. Request for Compensation for Damages : Due to the ongoing violation of my consumer rights and the incorrect re-insertion of this account on my credit report, I request compensation for the damages caused. Under consumer protection laws, and specifically under the New York General Business Law, I am entitled to receive compensation for the financial and emotional damages resulting from this violation of my rights. I am requesting an amount of {$1000.00} as compensation for the damage caused to my credit history and financial opportunities due to this incorrect re-insertion. 
XXXX. Response Time Requirement : Under the FCRA, XXXX has a legal obligation to investigate and take action regarding the deletion of this incorrect account within 30 days.

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