Consumer complaint received 2023-04-19
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing this dispute regarding the violations of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Equal Credit Opportunity Act ( ECOA ), and Real Estate Settlement Procedures Act ( RESPA ). 

I have noticed several inaccuracies on my credit report, which have been reported by the credit bureaus. My correct name is XXXX XXXX, but the bureaus are reporting it as XXXX XXXX, XXXX, XXXX, XXXX, XXXX A XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX This is not only incorrect, but it is also causing confusion and making it difficult for me to apply for credit or loans. 

Furthermore, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, but the bureaus have reported multiple addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX These incorrect addresses have caused confusion and made it difficult for me to receive important mail. 

These inaccuracies have had a significant impact on my life. For example, when I applied for a car loan, I was denied due to these incorrect reports on my credit report. I was forced to use public transportation, which is inconvenient and costly.

The violations that have occurred are as follows : FCRA : Section 607 - Duties of Furnishers of Information to Consumer Reporting Agencies Section 611 - Procedure in case of disputed accuracy Section 616 - Civil liability for willful noncompliance Section 623 - Responsibilities of furnishers of information to correct and update inaccurate or incomplete information F
ACTA : Section 312 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 313 - Prohibition on Circumventing Opt-Out Requirements Section 317 - Enforcement ECOA : Section 703 - Prohibited discrimination on the basis of race, color, religion, national origin, sex, marital status, or age Section 704 - Enforcement RESPA : Section 6 - Servicing of Mortgage Loans and Administration of Escrow Accounts Section 8 - Prohibition against kickbacks and unearned fees a dispute regarding the unauthorized inquiries made on my credit report by several entities including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX These inquiries have caused significant harm to my credit score and financial stability.

As a responsible consumer, I have been monitoring my credit report closely and noticed multiple unauthorized inquiries that have been made without my knowledge or consent. These inquiries have been made without a permissible purpose and have caused my credit score to decrease significantly. I have made multiple attempts to contact these entities to request that they remove these inquiries from my credit report, but my requests have been ignored. 

The unauthorized inquiries made by these entities violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), including sections 604, 607, 610, 613, 614, 615, 616, 618, 623, 312, 313, and 317. These inquiries were made without a permissible purpose, and I have not authorized any of these entities to access my credit report. In addition, these entities failed to properly disclose the nature and scope of the inquiries and failed to comply with consumer reporting obligations. 

One of the accounts in question is with XXXX XXXX XXXX, account number XXXX. Experian has listed the payment status as in collection, yet I have never received any notification or documentation from them regarding this collection account. This is a clear violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which outlines the duties of furnishers of information to consumer reporting agencies. Additionally, it is a violation of Section 623 of the FCRA, which states that furnishers must correct and update inaccurate or incomplete information. 

XXXX XXXX XXXX ( Account Number XXXX ) on my credit reports with XXXX and Experian. 

According to my XXXX report, the last verified date for this account is XX/XX/XXXX. However, my Experian report does not reflect this information. Additionally, my XXXX report shows the date of last activity as XX/XX/XXXX, while my Experian report shows the date of last activity as XX/XX/XXXX. Furthermore, my XXXX report lists the date opened as XX/XX/XXXX, whereas my Experian report shows the date opened as XX/XX/XXXX. Finally, my XXXX report indicates that the creditor has reported that the account is placed for collection, while my Experian report does not reflect this information. 

I believe that the reporting of this information is in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 - Duties of furnishers of information to consumer reporting agencies ( reporting inconsistencies between XXXX and Experian reports ) Section 623 - Responsibilities of furnishers of information to correct and update inaccurate or incomplete information ( reporting inconsistencies between XXXX and Experian reports ) Additionally, I believe that XXXX XXXX XXXX  may be in violation of the following sections of the Fair Debt Collection Practices Act ( FDCPA ) : Section 807 - False or misleading representations ( misrepresenting the last verified date and the date of last activity ) Section 809 - Validation of debts ( failing to provide proper validation of the debt ) These inaccuracies in reporting have had a significant negative impact on my credit score and have made it difficult for me to obtain credit and loans. I request that you investigate this matter and take appropriate action to ensure that my credit reports accurately reflect the information that is reported by XXXX XXXX XXXX. I also request that any unverified accounts be removed from my credit report. 

I am writing to dispute a collection account that has been reported on my credit report by XXXX XXXX XXXX ( account number : XXXX ) and Experian. According to Experian, the payment status of this account is listed as Collection. However, I have never received any notification or paperwork from them regarding this collection account.

I believe that this reporting violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits false or misleading representations in the collection of debts. Reporting the payment status as collection without providing proper notification or paperwork is a clear violation of this law. 

This reporting has greatly affected my life. I have been denied credit and other opportunities due to this inaccurate information on my credit report. It has caused me significant stress and anxiety, as I have been unable to obtain the credit I need to support myself and my family. 

I request that you enforce the legal requirements on the creditors to provide proper notification and paperwork before reporting the payment status as collection. I demand that the creditor remove this unverified account from my credit report. 

Thank you for your prompt 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