Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, Experian was notified of fraudulent information being reported on my credit report. In accordance with FCRA, I submitted all necessary forms and documentation to establish fraud claim. From time of receipt, Experian is required to delete and block all fraudulent information. Experian has failed to comply with federal regulations and has caused my credit reputation grave harm. Experian received all documents and has failed to act to ensure the consumer is being protected. According to Experian reporting this fraudulent information, my credit report shows XXXX different accounts with the same vendor for over XXXX. These accounts were not opened by me, nor did I approve anyone to open these accounts. I have reached out for documentation verifying signatures, but I have not received a response. By law, Experian is required to delete these fraudulent accounts and provide me with an updated credit report at no cost to me. Enclosed is the letter sent to XXXX ( which was included with the documentation I sent Experian ). Please remove all accounts from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Someone at XXXX made an unauthorized charge on my bank account without my consent. Then claimed I didn't pay them, which I did. But then the company soon went into bankruptcy and lost their records. I've been trying to have this record deleted from my Experian account but Experian said they ran an investigation and validated the information, which they didn't. Also, Experian didn't provide me proof of their investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92841
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am not sure why i am being reported late in the following accounts now, i am seeking your help to make sure that this will be updated as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm " XXXX XXXX '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Formal Complaint Against Experian for Persistent Inaccuracy, Credit Score Decrease, and Malfunctioning Boost System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, a major credit reporting bureau, due to their ongoing failure to update my personal information accurately, the unexplained decrease in my XXXX XXXX, and issues with the malfunctioning Boost system. Name of Credit Reporting Bureau : Experian Account Number : XXXX Date of Complaint : XX/XX/2023 Despite numerous attempts, I have been unable to resolve the following issues with Experian : Inaccurate Personal Information : I have sent multiple validation letters and correspondences to Experian XXXX including the fraud department, requesting the removal of inaccurate personal information, name variations, and phone numbers. Unfortunately, these efforts have yielded minimal results, and the inaccurate information persists on my credit report. Credit Score Decrease : I have diligently managed my credit by ensuring that all my credit card balances are consistently below 10 % of usage. However, instead of observing an improvement in my credit score, it has continued to decrease without a clear explanation from Experian. Malfunctioning Boost System : The Experian Boost system is not accurately reading all bills, rendering it ineffective. Despite numerous attempts to seek assistance through emails via the webpage, the issues persist, and the Boost system does not seem to work as intended. Unauthorized Inquiries Reporting : I have observed unauthorized inquiries reported on my credit report that were not initiated by me. These inquiries are affecting my credit score negatively, and I have not received satisfactory responses from Experian regarding their origin. I have taken the following steps to address these issues : Sent numerous validation letters to Experian, requesting the removal of inaccurate personal information. Corresponded with Experian 's fraud department to report and rectify the inaccuracies. Maintained responsible credit usage by keeping credit card balances consistently below 10 %. Enclosed with this complaint are copies of relevant documents, including validation letters, correspondence with Experian, evidence of responsible credit management, and records of unsuccessful attempts to seek assistance with the Boost system. I am seeking your intervention to address these persistent issues and request that the Consumer Financial Protection Bureau investigate Experian 's non-compliance with the Fair Credit Reporting Act ( FCRA ). I kindly ask for your assistance in compelling Experian to update my personal information accurately, explain the credit score decrease, and rectify the malfunction in the Boost system. I appreciate your prompt attention to this matter and thank you for your assistance in resolving these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing to bring to your attention a matter of great concern regarding an alleged debt reported on my credit report by XXXX, account number XXXX. I am seeking your assistance in resolving this issue as I believe there have been unjust activities surrounding this debt. To provide some context, I had no prior knowledge or association with XXXX before discovering the presence of this debt on my credit report. I did not receive any written notices, phone calls, or emails from them regarding the alleged debt. Furthermore, I have an open case with my legal tenant and owner lawyer concerning my previous residence, which was resolved when I moved out. The apartment complex in question has been less than forthcoming about the details of the situation. They have inaccurately reported when the next tenant moved in, which, according to legal standards, would have relieved me of any further responsibilities. Upon learning about the unexpected bill from XXXX, not the one currently on my credit report, I was shocked. It's important to note that there were discrepancies in the bill itself. Initially, I was presented with a bill amounting to {$10000.00}. However, after providing evidence, including legal multiple mail proofs demonstrating that a tenant had moved in during XXXX, the leasing office acknowledged my correctness. I firmly believe that I do not owe any money to XXXX or any other entity associated with this debt. To address this matter, I have retained the services of an attorney to assist in rectifying what appears to be an unlawful act. The reported account is factually incorrect, as I never engaged in any business dealings with XXXX. Furthermore, I was never served any notice of this alleged debt, violating my rights as a consumer. I kindly request your assistance in investigating and rectifying this situation promptly. I believe that my rights as a consumer have been violated, and the inaccurate reporting is adversely affecting my credit score. I am attaching relevant documents, including proof of the resolved case with the apartment complex and evidence of the tenant 's move-in date. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will help ensure a fair resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A