Consumer complaint received 2024-12-07 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IN XXXX XX/XX/year> CFPB, Subject : Dispute of Multiple Inaccurate Items on all XXXX of My Credit Report ( Experian, XXXX and XXXX ) To Whom It May Concern : I am writing to dispute multiple inaccuracies on my credit report under my rights outlined in the Fair Credit Reporting Act ( FCRA ). These accounts were reported without my authorization and must be investigated. Below are the details of each disputed account : XXXX. Account Name : XXXX XXXX / XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX Account not mine nor have I done business with this creditor. This account is on my report XXXX times with the same information.My information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. AccountName : XXXX XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX  XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX Account not mine nor have I done business with this creditor. This `account is posted on my report XXXX. My information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX  XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX  XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 
XXXX. Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX  XXXX / XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX  / XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX  XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 
XXXX. Account Name : XXXX XXXX Account not mine nor have I done business with this creditor. This account is on my report twice. My information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Account not mine nor have I done business with this creditor. This is on my report multiple times. Seems as though the original creditor sold and bought the debt to report multiple times. My information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. XXXX XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXXXXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXXXXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXXXXXX XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. XXXX XXXX XXXX / XXXX This Creditor has reported multiple times for the same accounts under different derivatives of their name.Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 
XXXX. Account Name : XXXX XXXX XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX / XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX ll XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX This Creditor has reported multiple times for the same accounts under different derivatives of their name.Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 



XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX This Creditor has reported multiple times for the same accounts under different derivatives of their name.Account not mine nor have I done business with this creditor. my information has been in multiple data breaches. Request debt validation with all lawful requirements. 
Issue : Unauthorized reporting without my consent under FCRA Section 605 ( b ). 

Public Records : XXXX XXXX  Bankruptcy : Discharged. Reporting appears unauthorized. 

XXXX XXXXXXXX Bankruptcy : Dismissed. Reporting appears unauthorized. 


Issues : These public records do not meet the FCRA requirements for permissible reporting and should be removed. 



Requested Actions : XXXX. Investigate the disputed accounts listed above and provide validation or evidence supporting their inclusion in my credit reports. 


XXXX. Remove any unverifiable, inaccurate, or unauthorized entries immediately. 


XXXX. Ensure compliance with FCRA requirements, including compensatory measures for any violations. 



Attached Documents : A copy of my credit report with highlighted disputed items. 

Identification documents for verification. 


Please respond with the results of your investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX 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