Consumer complaint received 2025-01-20 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX  
Account NumberXXXX  Date open: XXXX

XXXX XXXX XXXX 
DATE OPENED
XXXX XXXX XXXX
ACCOUNT NUMBER
XXXX
HIGHEST BALANCE XXXX
CREDITOR INFO
XXXX XXXX XXXX-ON
XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX
BALANCE
-XXXX XXXX XXXX XXXX XXXX XXXX
Open/Closed
Account Type
Balance
Date Opened XXXX XXXX XXXX XXXX
Open/Closed
Account Type
Balance
Date Opened XXXX XXXX XXXX
Open
Secured Card XXXX XXXX XXXX XXXX
Closed
Charge Card XXXX XXXX XXXX XXXX XXXX XXXX
Open/Closed
Account Type
Balance
Date Opened XXXX XXXX  Views
XXXX
Closed
Secured Loan

XXXX XXXX XXXX XXXX

Open/Closed
Closed
Account Type
Line of Credit
Balance
-
Date Opened
XXXX XXXX XXXX XXXX
DATE 1 day ago 
INQUIRER NAME XXXX XXXX XXXX
DATE 1 day ago  INQUIRER NAME
XXXX XXXX  DATE 1 day ago 
INQUIRER NAME
XXXX XXXX  DATE
1 day ago

INQUIRER NAME XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME XXXX XXXX XXXX
DATE
XXXX XXXX XXXX

XXXX XXXX XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX
DATE
XXXX XXXX XXXX

INQUIRER NAME XXXX XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX XXXX...
DATE XXXX XXXX XXXX

INQUIRER NAME
XXXX  DATE XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX  DATE
XXXX XXXX XXXX XXXX
DATE
XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX
DATE
XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX XXXX XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX XXXX  DATE
XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX
DATE
XXXX XXXX XXXX

XXXX XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME XXXX XXXX XXXX
DATE
XXXX XXXX XXXX

INQUIRER NAME XXXX XXXX XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME XXXX XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME XXXX XXXX
DATE
XXXX XXXX XXXX  
INQUIRER NAME
XXXX XXXX XXXX
DATE
XXXX XXXX XXXX XXXX XXXX XXXX
DATE XXXX XXXX XXXX  
INQUIRER NAME
XXXX XXXX XXXX
DATE
XXXX XXXX XXXX

INQUIRER NAME
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DATE XXXX XXXX XXXX  
INQUIRER NAME
XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME
XXXX XXXX XXXX XXXX
DATE
XXXX XXXX XXXX  
INQUIRER NAME
XXXX
DATE XXXX XXXX XXXX XXXX XXXX XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME XXXX XXXX
DATE
XXXX XXXX XXXX

INQUIRER NAME
XXXX
DATE XXXX XXXX XXXX

INQUIRER NAME XXXX XXXX XXXX XXXX  DATE
XXXX XXXX XXXX XXXX XXXX XXXX
Inquiry Date
Removal Date
Type
Phone Number
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Dispute
XXXX XXXX
Inquiry Date
Removal Date
Type
Phone NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Dispute XXXX XXXX
Inquiry Date
Removal Date XXXX XXXX XXXX XXXX
Inquiry Date
Removal Date
Type
Phone Number
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute
Inquiry Type: XXXX XXXX XXXX
Inquiry Date
Removal Date
Type
Phone Number
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute
XXXX XXXX XXXX
Inauiry Date XXXXXXXX XXXX XXXX XXXX
Inquiry Date
XXXX
Removal Date XXXX XXXX
Type
Finance Companies - non specific
Phone Number XXXX XXXX
Dispute XXXX XXXX XXXX
Inquiry Date
Removal Date
Type
Phone Number
XXXX XXXX XXXX
Finance Companies - non specific
XXXX XXXX
Dispute
Inquiry Type: Mortgage Reporters
XXXX  Inquiry Date
XXXX XXXX XXXX XXXX XXXX
Inquiry Date
XXXX
Removal Date
XXXX XXXX
Type
Auto Financing Companies
Phone Number
XXXX XXXX
Dispute
XXXX XXXX XXXX
Inquiry Date
Removal Date
Type
Phone Number
XXXX XXXX XXXX
Auto Financing Companies XXXX XXXX
Dispute XXXX XXXX XXXX
Inquiry Date
Removal Date
Tvne XXXX XXXX XXXX  Inquiry Date
XXXX
Removal Date
XXXX XXXX
Type
Auto Financing Companies
Phone Number
XXXX XXXX
Dispute
XXXX XXXX
Inquiry Date
Removal Date
Type
Phone Number XXXX XXXX XXXX
Auto Financing Companies XXXX XXXX
Dispute XXXX XXXX
Inquiry Date
Removal Date
Tuna XXXX XXXX XXXX
Inquiry Date
XXXX
Removal Date
XXXX XXXX
Type
Auto Financing Companies
Phone Number
XXXX XXXX
Dispute
XXXX XXXX XXXX XXXX
Inquiry Date
Removal Date
Type
Phone Number
XXXX XXXX XXXX
Auto Financing Companies XXXX XXXX
Dispute XXXX XXXX XXXX
Inquiry Date
Removal Date
XXXX XXXX XXXX XXXX
Inquiry Date
XXXX
Removal Date XXXX XXXX
Type
Auto Financing Companies
Phone Number XXXX XXXX
Dispute XXXX XXXX XXXX  Inquiry Date
Removal Date
Type
Phone Number
XXXX XXXX XXXX
Auto Financing Companies
XXXX XXXX
Dispute
Inquiry Type: XXXX XXXX, XXXX XXXX XXXX XXXX
Inquiry Date
XXXX XXXX XXXX  Inquiry Date
XXXX
Removal Date XXXX XXXX
Type
Automobile Dealers, Used
Phone Number XXXX XXXX
Dispute
XXXX XXXX XXXX
Inquiry Date
Removal Date
Type
Phone Number
XXXX XXXX XXXX
Automobile Dealers, Used XXXX XXXX  Dispute
XXXX XXXX
Inquiry Date
Removal Date
Tuna 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 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 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 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 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 from Experian * Credit AlertNew XXXX XXXX XXXX XXXX XXXX XXXX from Experian * 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 from Experian * Credit AlertNew 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 from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from Experian > Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX  Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX * Total Credit Limit Decrease * XXXX XXXX XXXX  from XXXX SSN Tracker Alert Associated Name XXXX XXXX XXXX XXXX XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX  from XXXX Credit Alert Total Credit Limit Increase XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXXrom Experian Credit Alert Paid Account(s) XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrom Experian XXXX XXXX XXXX XXXX  from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Experian XXXX XXXX XXXX XXXX XXXX from Experian Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXm XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert Total Credit Limit Decrease XXXX XXXX XXXX from XXXX SSN Tracker Alert Associated Name XXXX XXXX XXXX XXXX XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Total Credit Limit Increase XXXX XXXX XXXX XXXX from XXXX  Credit Alert Improved Account XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert Total Credit Limit Decrease XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from Experian XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX  Credit Alert Total Credit Limit Decrease XXXX XXXX XXXX from XXXX  SSN Tracker Alert Associated Name XXXX XXXX XXXX XXXX XXXX Credit Alert New Inquiry XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here is the aggregated list of all accounts and hard inquiries mentioned in your data: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Date: XXXX To: XXXX XXXX Experian Subject: Formal Request for Validation of Debt, Deletion of Inaccurate Information, and Compliance with Federal Law Dear Credit Bureau, I am writing to formally request the immediate removal of inaccurate information, unauthorized hard inquiries, and other derogatory items from my credit file. In addition, I am requesting validation of any debts and certified copies of original contracts to ensure compliance with federal law. Below, I outline the specific statutes and violations relevant to this request. Accounts and Hard Inquiries in Question: I List the accounts, charge-offs, repossessions, medical debts, evictions, late payments, or other inaccuracies. Pursuant to 15 U.S. Code 1681 (2)(i) and 15 U.S. Code 1666b, the creditor may not report or treat payments as late without proper documentation. Furthermore, under 15 U.S. Code 1692c, 15 U.S. Code 1692g, and 15 U.S. Code 1681e(b), credit reporting agencies are required to maintain accurate information and must validate disputed items. Key Legal Violations and Requests for Deletion: 1. Hard Inquiries and Data Breaches: 18 USC 1028A prohibits unauthorized use of personal data, and 15 USC 1681b (a)(2) requires written authorization for credit checks. Hard inquiries that lack my consent must be deleted immediately. 2. Collections and Medical Debt: 15 U.S. Code 1692g requires validation of any debt. Delete Medical Debt per guidelines under 15 U.S. Code 1681b (a)(2) and 12 CFR 1026.13 (Billing Error Resolution). 3. Charged-Off Accounts and Repossessions: 15 U.S. Code 1635, 15 U.S. Code 1692g, and 15 U.S. Code 1681b (a)(2) mandate the removal of inaccurate or unverifiable charge-offs and repossessions. 4. Evictions: 15 U.S. Code 1637(2)9A) and 15 U.S. Code 1681s-2 (aX3) require eviction records to be accurate and removed if not verified. 5. Bankruptcy and Privacy Violations: Bankruptcy records must comply with 15 U.S. Code 1681(c)2, which prohibits the furnishing of inaccurate or outdated information. 15 U.S. Code 1681 Section 602 and 15 USC 1681 Section 604(a)(2) guarantee my right to privacy and prohibit reporting without written instructions. 6. Late Payments: 15 U.S. Code 1660(b) and 15 U.S. Code 1631(a) state that late payments cannot be reported unless properly verified. Key Federal Laws Supporting My Claims: 15 USC 1681i(a)(6)(B)(iii): Requires reinvestigation of disputed items. 15 U.S. Code 1681e(b): Mandates maximum accuracy in reporting. 15 USC 1681s-2(a)(3): Prohibits reporting information known to be inaccurate. Actions Required: 1. Delete all inaccurate information: Hard inquiries, charge-offs, late payments, medical debt, repossessions, and evictions must be removed from my credit file immediately. 2. Provide proof of validation: Send certified copies of original contracts and itemized validation of any disputed debts. 3. Correct reporting errors: Ensure compliance with 15 USC 1681B (Permissible Purpose) and other relevant laws. 4. Confirm action within 4 days: Notify me in writing of the actions taken to address these inaccuracies. Statement of Impact: The ongoing reporting errors have significantly harmed my ability to obtain loans, housing, and other necessary financial resources to support my family and business. If these errors are not resolved promptly, I will pursue further action, including complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and legal recourse under applicable laws. Thank you for your immediate attention to this matter. Please send written confirmation of your actions to the address listed above. Sincerely, XXXX XXXX XXXX  Reg.Agent by:__________________________________ Attachments: Highlighted Credit Reports Proof of Identity Supporting Documentation To Whom It May Concern: Noticed the agent noticed the principal Creditor or Collection Agency Name Subject: Debt Validation Request for Accounts and Hard Inquiries Re: Account Numbers and Inquiries I am writing to formally request validation of all debts and inquiries listed below under the provisions of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). I am disputing these debts and inquiries because I do not recognize or acknowledge them. I request that you provide the following for each: 1. Proof of the original signed contract or legal obligation for the debt. 2. Complete payment history, including details of how the debt amount was calculated. 3. Verification of your legal authority to collect the debt in my state. 4. Copies of any correspondence showing that I was notified of this debt. 5. Any records of communication that validate my agreement to the inquiry. The accounts and inquiries in question are as follows: Accounts: XXXX XXXX XXXX XXXX Account Number: XXXX Date Opened: XXXX XXXX XXXX XXXX XXXX  Account Number: XXXX Date Opened: XXXX Balance: $XXXX  3. XXXX XXXX XXXX XXXX  Account Number: XXXX Date Opened: XXXX 4. XXXX XXXX (Two Accounts) XXXX (Secured Card, $XXXX Balance, Date Opened: XXXX Closed: XXXX) XXXX (Secured Loan, Date Opened: XXXX) 5. XXXX XXXX XXXX XXXX  (Line of Credit, Closed, Date Opened: XXXX)

Hard Inquiries:
List inquiries here, including names, dates, and contact information from your records.

I request that these debts and inquiries be investigated and validated within 4days. If you cannot provide the documentation requested above, I ask that the debts and inquiries be removed from my credit report immediately.

Additionally, please cease all collection activities and communication with me unless it pertains to providing the requested documentation.

Please send all correspondence regarding this matter to my address listed above.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

Accounts
	1. XXXX XXXX XXXX XXXX XXXX XXXX
		Date Opened: XXXX
	2.	XXXX XXXX XXXX
		Account Number: XXXX
		Date Opened: XXXX
		Highest Balance: $XXXX  		Balance: -$XXXX XXXX XXXX XXXX XXXX XXXX  		Account Number: XXXX
		Date Opened: XXXX
	4.	XXXX XXXX
		Account Number: XXXX  		Opened: XXXX
		Type: Secured Card (Open)
		Balance: $XXXX  	5. XXXX XXXX  		Account Number: XXXX  		Opened: XXXX
		Type: Secured Loan (Closed)
	6.	XXXX XXXX XXXX
		Account Number: XXXX  		Opened: XXXX
		Type: Line of Credit (Closed)
7. XXXX XXXX XXXX  Opened: Account Number:XXXX
Hard Inquiries

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 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 GA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Experian XXXX XXXX XXXX XXXX, TX XXXX

Re: Notice of Dispute under 15 U.S.C.  1681i and 18 U.S.C.  1961
Account Dispute  Request for Investigation

I am writing to formally dispute inaccurate information listed on my credit report. I have reviewed my credit report and have found inaccuracies that violate my rights under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, and potential fraudulent activities that could implicate violations under 18 U.S.C.  1961.

The following details highlight the issues that need to be investigated:
		Briefly explain the error(s) and why you believe the information is incorrect.

I am requesting that you investigate the dispute(s) promptly and correct the information accordingly. Please provide me with a complete copy of the investigation results within the time limits set by law.

Furthermore, if any illegal or fraudulent activity is found during your investigation, I expect you to report this to the appropriate authorities immediately, as this may involve violations under federal law.

Please acknowledge receipt of this dispute in writing, and confirm the investigation process. I reserve the right to take legal action if this matter is not resolved promptly and in accordance with the FCRA and other applicable laws.
It had been hindering me for getting home and hindering from providing for my family my family are in need and Ive been not been able to get jobs due to my credit score and I would like this information remove and I also have talked to the credit bureau to remove this information several times and I also would like this information would be that it will be removed less than 24 hours to 4 days
It been a lifetime and experience. I have not been able to get move forward in life because it is information that reported to my create a report. 

I have attached the following documents for your review:
		Include any supporting documents, such as credit reports, identification, etc.

Thank you for your immediate attention to this matter. I look forward to your timely response.

Sincerely,
by:_______________________________
Printed:_____________________________ 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