Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am writing to dispute the inaccuracies on my credit report and request that you enforce the legal provisions that protect my rights as a consumer. 

My name is XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. However, my credit report contains several incorrect addresses that do not belong to me, such as XXXX XXXXXXXX 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 XXXX This incorrect information has caused confusion and potential harm to my credit profile. 

According to my credit report, there are multiple unverified accounts and incorrect information, including wrong personal information and addresses that do not belong to me. The information on my report is inaccurate, incomplete, and unverifiable. I have contacted the credit reporting agencies several times to dispute this information, but no action has been taken to correct the errors. 

These inaccuracies have had a significant negative impact on my life. As a result of the incorrect information on my credit report, I have been denied credit, employment, and housing opportunities. I have also been subjected to harassing phone calls and letters from debt collectors, even though I do not owe the debts they are attempting to collect. 

These violations have caused me undue stress, financial loss, and emotional distress. I am a responsible individual who has always paid my bills on time and maintained good credit. However, because of the inaccuracies on my credit report, I am being unfairly penalized. 

I request that you enforce the following laws to correct the inaccuracies on my credit report : FCRA Violations : Section 1681e ( b ) of the FCRA requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. Section 1681i ( a ) of the FCRA requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within a specified period and correct or delete any inaccurate, incomplete, or unverifiable information.

FACTA Violations : Section 609 ( g ) of the FACTA requires credit reporting agencies to block the reporting of any information that a consumer identifies as resulting from identity theft.

ECOA Violations : Section 202 of the ECOA prohibits discrimination against applicants based on race, color, religion, national origin, sex, marital status, or age. Regulation B of the ECOA prohibits discrimination against applicants based on other factors, such as address or zip code.

FCBA Violations : Section 1666 of the FCBA requires credit card issuers to promptly investigate and correct billing errors reported by consumers.

I demand that the creditor remove all unverified accounts and incorrect information from my credit report and take appropriate steps to ensure that my credit report is accurate and complete. I also request that you provide me with a copy of my corrected credit report and inform me of any actions taken to correct the inaccuracies.

dispute several inaccuracies and violations on my credit report, specifically related to the account with XXXX and account number XXXX. 

According to my credit report from XXXX and Experian, the account status is listed as closed, but XXXX still shows it as open. Additionally, all three credit bureaus report that I was 30 days late on XX/XX/XXXX, despite the fact that I did not miss any payments on this account. Furthermore, XXXX and Experian report that the last payment date was XX/XX/XXXX, but XXXX reports it as XX/XX/XXXX. The date opened is also inconsistent, as Experian and XXXX report it as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. Lastly, XXXX and Experian report that the date reported was XX/XX/XXXX, but XXXX reports it as XX/XX/XXXX. 

These inconsistencies have had a significant impact on my life. As a result of these inaccurate reports, I have been denied credit and have had to pay higher interest rates on loans. This has made it difficult for me to secure financing for important purchases, such as a new car and home. 

I believe that these inconsistencies violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Real Estate Settlement Procedures Act ( RESPA ). 

Specifically, the credit reporting agencies have violated Section 1681c of the FCRA by failing to follow reasonable procedures to ensure the maximum possible accuracy of credit reports. Section 1681e of the FCRA has also been violated by the agencies for failing to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. Moreover, Section 1681i of the FCRA has been violated as the agencies have failed to conduct a reasonable reinvestigation of the disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. Additionally, Section 1681g of the FCRA has been violated as the credit reporting agencies have failed to disclose the dates on which accounts were opened and closed, as well as the date of last payment.

Furthermore, the debt collector for this account has violated Section 807 of the FDCPA by using false, deceptive, or misleading representations in connection with the collection of this debt.

In addition, Section 1641 of the TILA has been violated as the creditor failed to provide certain disclosures to me, including the identity of the person to whom the debt has been assigned.

Finally, Section 2605 of RESPA has been violated as the loan servicer failed to respond to my inquiries and complaints about the mortgage loan in a timely manner.

My credit report lists several creditors with account numbers and details that are incorrect and damaging to my credit score. I have contacted the credit reporting agencies to correct these errors but have not received satisfactory responses. As a result, I am turning to your organization to help enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Real Estate Settlement Procedures Act ( RESPA ).

One of the creditors on my report is XXXX with the account number XXXX. According to all three bureaus, I was 30 days late on XX/XX/XXXX, but I did not miss any payments on this account. XXXX and XXXX are showing the payment status as current, but Experian is showing it was late 30 days. XXXX is showing the date of last activity as XX/XX/XXXX, but Experian is showing XX/XX/XXXX, and XXXX did not report anything. XXXX and Experian are showing the date reported as XX/XX/XXXX, but XXXX is showing XX/XX/XXXX. Experian and XXXX are showing the date opened as XX/XX/XXXX, but XXXX reported XX/XX/XXXX. 

These discrepancies have greatly impacted my life. As a result of this incorrect information, I have been denied credit, lost job opportunities, and been subject to higher interest rates and fees. I have been working hard to improve my credit and these inaccurate reports are hindering my progress. The information provided by XXXX is clearly inaccurate and misleading, violating several provisions of the FCRA including sections 1681c, 1681e, 1681i, and 1681g. Additionally, XXXX is violating section 807 of the FDCPA, section 1641 of the TILA, and section 2605 of RESPA.

my legal rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

As you are aware, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of credit reports under Section 1681c of the FCRA. However, the following creditors have reported inaccurate information on my credit report : XXXX XXXXXXXX XXXX XXXX ( Account number XXXX ) According to XXXX XXXX I was 120 days late on XX/XX/XXXX, but I did not miss any payments on this account. The account type is showing as a collection account, but it is not a collection account. The creditor never sent me any paperwork notifying me that my account had been sold to a collection agency. Additionally, Experian is reporting that the account status is closed, while XXXX is reporting it as open. Experian reported the date as XX/XX/XXXX, while XXXX reported XX/XX/XXXX. Furthermore, Experian reported a payment amount balance of {$0.00}, while XXXX reported {$100.00}. Finally, Experian reported the last payment date as XX/XX/XXXX, while XXXX reported XX/XX/XXXX. 

Based on this information, I believe that the creditors violated Section 1681c, 1681e, 1681i, and 1681g of the FCRA. Additionally, I believe that XXXX XXXX XXXX  XXXX violated Section 807 of the FDCPA by misrepresenting the status of my account as a collection account.

I am writing to dispute inaccurate information that has been reported on my credit report by XXXX XXXX, with account number XXXX. According to XXXX, the last verified date is XX/XX/XXXX, while Experian and XXXX have not reported anything. Furthermore, XXXX is reporting a date of last activity of XX/XX/XXXX, while Experian and XXXX have reported XX/XX/XXXX and XX/XX/XXXX, respectively. Also, XXXX and Experian are showing a date reported of XX/XX/XXXX, but XXXX is reporting XX/XX/XXXX. XXXX is showing a date opened of XX/XX/XXXX, while Experian and XXXX are reporting XX/XX/XXXX. Lastly, XXXX is showing a payment status of late 120 days, while Experian and XXXX have reported late 90 days. 

These inaccuracies are not only frustrating, but they have also had a significant impact on my life. Due to these inaccurate reports, my credit score has been negatively affected, making it difficult for me to obtain loans, credit cards, or other financial assistance that I need. It has even affected my ability to find a job, as many employers require credit checks as part of their hiring process. 

I believe that XXXX XXXX has violated several provisions of the FCRA, including Section 1681c, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of credit reports, Section 1681e, which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose the dates on which accounts were opened and closed, as well as the date of last payment. The creditor may also have violated the FCRA 's requirement to conduct a reasonable investigation of disputed information under Section 1681i. Additionally, the inconsistent reporting of the payment status could be a violation of the FCRA 's requirement for accurate reporting under Section 1681e ( b ). 

Therefore, I am requesting that XXXX XXXX remove these unverified accounts from my credit report as soon as possible, and I urge the Consumer Financial Protection Bureau to enforce the legal requirements of the FCRA to ensure that creditors and credit reporting agencies are held accountable for accurate and fair reporting. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief