Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of my credit report, which I obtained from your agency on [ date of receiving credit report ]. I have identified several discrepancies in my credit history that I believe are in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACT ACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



I would like to bring to your attention the following accounts and inquiries that are adversely affecting my credit score : XXXX  XXXX Account Number : XXXX Under the FCRA, I have the right to receive accurate and up-to-date information on my credit report. However, the information reported by your agency is entirely inaccurate, stating that this account has been paid late, which is not true. I demand that you investigate this matter promptly and correct the information associated with this account to comply with the FCRA. 



XXXXDEPT OF ED Account Number : XXXX Similar to the previous account, the information reported for this account is not accurate and is negatively impacting my credit standing. As per the FCRA, I have the right to dispute any inaccuracies in my credit report, and I request you to update this account 's details promptly. 



XXXX XXXX XXXX Account Number : XXXX Under the FCRA, I have the right to dispute any accounts that I do not recognize or are not mine. I have no knowledge of this account, and I can not identify the business associated with it. I insist that you conduct a thorough investigation to verify whether this account genuinely belongs to me. If it does not, I demand that you remove it from my credit report immediately to comply with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA grants me the XXXX to dispute unauthorized inquiries on my credit report. I have no recollection of authorizing these credit pulls, and as such, I demand that you investigate these inquiries and remove them from my credit report to comply with the FCRA. 



Furthermore, the inaccuracies in my credit report may also be in violation of the FDCPA, which governs fair debt collection practices, and the FACT ACT, which provides additional consumer rights concerning identity theft and dispute processes. 



The TILA, RESPA, ECOA, and FCBA may also be applicable to certain aspects of my credit report, and I expect your agency to ensure full compliance with these laws in all respects.

I hereby request that you conduct a thorough investigation into the disputed accounts and inquiries and provide a written response within 30 days, as mandated by the FCRA.Failure to adhere to the laws and regulations mentioned above may result in legal action against your agency. I trust that you will handle this matter with the utmost diligence and professionalism. 



Please acknowledge the receipt of this letter and provide me with a reference number for the dispute.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 explanation