Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized hard inquiries were placed on my credit report on the below dates XXXX XXXXXXXX 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: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Subject : Dispute of Closed Account Information on Credit Report Dear Experian Dispute Department, After reviewing my credit report, I have identified a closed account that I believe to be inaccurate. The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX XXXX date XX/XX/XXXX, account paid in full. ) ( XXXX XXXX XXXXXXXX date XX/XX/XXXX, account paid in full. ) XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXX, account paid in full. ) ( XXXX XXXXXXXX date XX/XX/XXXX account paid in full. ) ( XXXX date XX/XX/XXXX account paid in full ) Further more, i have already submitted a complaint against inaccurate addressed on my report. THE ONLY MAILABLE ADRESS IS XXXX XXXX XXXX, XXXX XXXX FL, XXXX al other address are unmailable address. if any mail is send to any other address than the one provided above, action will be taken. The information I am disputing is inaccurate for the following reasons : [ THESE ACCOUNTS HAVE BEEN SETTLED AND PAID IN FULL, AND ME AS A CONSUMER UNDER Fair Credit Reporting Act ( FCRA ) that pertains to disputing inaccuracies on your credit report is 15 U.S. Code 1681i. ] Per the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request that Experian conduct a reasonable investigation into this matter. Please contact the furnisher of the information to verify and correct any inaccuracies. If the disputed information is found to be inaccurate, I request that Experian promptly update my credit report to reflect the correct information. If these matters are handled i XXXX XXXX XXXX will be billing your company for the damages. I appreciate your prompt attention to this matter and request that you provide me with written notification of the results of your investigation. Please send the updated credit report to the address listed above. Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Kindly review the attached documents. I ask the bureau to commence an investigation into these accounts, as I am consistently on time with payments, yet they inaccurately depict me as late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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: 76063
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX This is also completely inaccurate. XXXX XXXX XXXX XXXX I do not recognize this. XXXX XXXX XXXXXXXX This is not accurate. XXXX XXXX This is not accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Name XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft please remove this fraud inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Formal Complaint Against Experian for Breach of Privacy and Mishandling of Credit Report To Whom It May Concern, I am writing to file a formal complaint against Experian for a severe breach of privacy and mishandling of my credit report, resulting in grave consequences for my financial integrity and personal information. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted accurate and pertinent disputes regarding my credit report to Experian. Unfortunately, an egregious error occurred on their part, leading to the inclusion of information belonging to another individual, XXXX XXXX XXXX into my credit report. It's important to note that XXXX XXXX XXXX resides in the same residence as I do. This unauthorized inclusion of XXXX XXXX XXXX files is a serious violation of my privacy and a breach of Experian 's responsibility in handling sensitive consumer data. The confusion between our information occurred due to an error on Experian 's part in distinguishing between the credit files of individuals residing at the same address. Furthermore, when I sought clarification on the status of my disputes, I was met with dismissive and inaccurate responses from Experian 's representatives. They not only ignored my valid dispute but also disregarded my concerns by falsely assuming my credit card affiliations, leading to an unjust dismissal of my legitimate claims. Moreover, upon reviewing my credit report on XX/XX/XXXX, I discovered additional erroneous information added, unrelated to my financial history, and erroneously associated with XXXX XXXX XXXXXXXX XXXX files. This further compounded the already severe breach of my privacy and Experian 's failure to maintain accurate and separate credit files for individuals residing at the same address. Despite repeated attempts to rectify this issue through communications with Experian 's customer service representatives, my concerns were met with a lack of accountability and refusal to acknowledge their mistakes. Their actions have caused undue stress, frustration, and a profound lack of confidence in Experian 's ability to handle sensitive consumer data competently and responsibly. I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into this matter and hold Experian accountable for : * Immediate removal of all unauthorized information, including XXXXXXXX XXXX XXXX XXXX files, from my credit report. * Thoroughly investigating the mishandling of my dispute materials and the breach of privacy. * Providing a comprehensive report outlining the steps taken to rectify this egregious error and prevent such incidents in the future. I request the CFPB 's intervention to ensure that Experian addresses this issue promptly and transparently. Failure to resolve this matter satisfactorily will necessitate the pursuit of legal recourse and further reporting to the appropriate authorities. I appreciate your immediate attention to this serious matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A