Consumer complaint received 2023-08-17
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, California XXXX SS # : XXXX  Date of Birth : XX/XX/XXXXXXXX  I hope this letter finds you well. I am writing to formally dispute several violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). The inaccuracies and unauthorized actions of the involved creditors have had a profound impact on my life, causing undue stress, emotional turmoil, and unjust financial consequences. 

I want to share a personal story that vividly illustrates how these violations have affected me. Over the past year, I have been tirelessly working towards securing a mortgage for my dream home. As a hardworking individual, I meticulously managed my finances, always making timely payments and ensuring my credit history remained impeccable. However, my dreams were shattered when I discovered that certain creditors had reported inaccurate information to the credit bureaus. 

One particular instance that deeply resonates with me pertains to an account with the creditor XXXX, account number XXXX. Under the protection of the FCBA, I found it disheartening to learn that they inaccurately reported late payments, tarnishing my otherwise impeccable payment history. This erroneous reporting has unjustly diminished my credit score and has put my dream of homeownership in jeopardy. It is deeply distressing to realize that despite my efforts to maintain financial responsibility, I find myself facing these unwarranted challenges due to the creditors ' negligence. 

Furthermore, the unauthorized inquiries made by various creditors, including XXXX ( account number XXXX ), XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, have cast doubts on my financial credibility and have made it substantially more challenging to secure favorable terms for my mortgage application. These unauthorized inquiries represent a clear violation of the FCRA, a law designed to safeguard consumers ' privacy and control over their credit information. 

In light of the aforementioned violations, I kindly request the Consumer Financial Protection Bureau 's intervention to ensure the enforcement of my legal rights and protection under the applicable laws. I implore your assistance in urging the involved creditors to promptly and thoroughly investigate the discrepancies and inaccuracies reported on my credit profile. Specifically, I ask that they verify and validate the accounts mentioned in this dispute, and subsequently, remove any unverified or inaccurately reported information from my credit report. 

I firmly believe that these actions will not only rectify the injustices I have faced but also restore my faith in the credit reporting system. My aspiration for a stable financial future and the ability to provide a comfortable home for my family hinge on the resolution of these matters. With your intervention, I am hopeful that the errors can be rectified, allowing me to pursue my dreams and aspirations with renewed vigor. 

Thank you for your attention to this matter. I appreciate your dedication to upholding consumer rights and ensuring fair treatment in the financial sector. I eagerly await your response and look forward to a positive resolution that will pave the way for a brighter and more secure financial future. 

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