Consumer complaint received 2023-08-15
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/XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of federal consumer protection laws by various creditors. I am seeking your intervention and assistance in enforcing these laws to rectify the issues that have had a profound impact on my financial well-being and personal life. 

I would like to bring to your attention the following violations that have taken place : XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
Violation : Inaccuracies in credit reporting, violating the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX # XX/XX/XXXX : Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX # XXXX : Violation : Inadequate disclosure of terms and costs, violating the Truth in Lending Act ( TILA ). 
XXXX # XXXX and XXXX XXXX XXXX : Violation : Discriminatory practices in credit transactions, violating the Equal Credit Opportunity Act ( ECOA ). 
XXXX XXXX XXXX XXXX XXXX : Violation : Failure to properly investigate or respond to billing dispute, violating the Fair Credit Billing Act ( XXXX ). 
XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  : Violation : Abusive or deceptive practices during debt collection, violating the Fair Debt Collection Practices Act ( FDCPA ). 
These violations have not only shaken my confidence in the financial system but have also had a deeply distressing impact on my personal life. The inaccurate credit reporting has affected my ability to secure loans for major life expenses, such as purchasing a home or a reliable vehicle for my family. These events have caused XXXX XXXX and turmoil, making it incredibly challenging for me to provide for my loved ones and pursue a stable future. 

Allow me to share a personal story to illustrate the gravity of these violations. [ Include a detailed, emotional story that vividly describes how the violations have affected your life. Talk about the emotional and financial struggles you've faced as a result. ] In light of these violations and the profound impact they've had on my life, I kindly request your intervention to enforce the legal provisions outlined in the relevant federal consumer protection laws. I implore you to ensure that the creditors take immediate action to rectify the violations and remove these unverified accounts from my credit report. This will not only provide me with the relief I desperately need but also reinforce the importance of adhering to consumer protection laws. 

I greatly appreciate your attention to this matter and your commitment to safeguarding consumer rights. Please do not hesitate to contact me if you require any further documentation or information to proceed with my case. 

Thank you for your time and assistance. 

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