Consumer complaint received 2023-08-11
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 Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1990 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the creditors XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX based on significant violations of the Fair Credit Reporting Act ( FCRA ). I humbly request your intervention and assistance in enforcing the legal protections that the FCRA provides. 

The egregious actions of the aforementioned creditors have had a devastating impact on my life, causing emotional distress, financial turmoil, and hindrances to my future prospects. I believe that these violations warrant immediate attention and corrective action. 

Violations : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX " An incorrect high balance, '' " an inaccurate date of last activity, '' " XXXX XXXX, '' " Reinsertion WITHOUT PROPER NOTICE, '' " an undated late pay, '' " a charge off listed as open, '' " a collection account with a limit, '' " Your improper XXXX XXXX XXXX  XXXX : " Under 15 USC 1666B this is a billing error, '' " always paid as agreed on time, '' " this is an error, '' " this account in violation. '' Personal Story : The weight of these violations has taken an immeasurable toll on my life. The constant reminder of these erroneous and unjust accounts on my credit report has kept me awake at night, worrying about my financial future. It has affected my ability to secure loans for education, purchase a reliable vehicle, and even find suitable housing. 

For instance, last year, I had the opportunity to pursue higher education, a dream I had nurtured for years. However, despite my impeccable payment history, the presence of these derogatory accounts resulted in denied loan applications. This led to the heartbreaking realization that my dreams were slipping away due to factors beyond my control. 

Furthermore, my attempts to secure a reliable vehicle were met with high interest rates and unfavorable terms, solely due to the inaccuracies and unjust reporting perpetuated by these creditors. The frustration and humiliation I felt at the dealership, knowing that I deserved better treatment, were indescribable. 

Action Requested : I implore the Consumer Financial Protection Bureau to enforce the legal provisions outlined in the FCRA to address these violations. I request that you investigate these matters thoroughly and ensure that the creditors XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX provide accurate, verified, and fair information regarding my credit history. I firmly believe that these accounts have been erroneously reported, and I urge you to mandate their removal from my credit report. 

In conclusion, I sincerely thank the Consumer Financial Protection Bureau for the critical role you play in safeguarding consumers ' rights. Your intervention in this matter would not only rectify the injustices I have endured but also serve as a beacon of hope for countless individuals who have faced similar challenges. 

Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any further information or clarification. 

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 explanation