Consumer complaint received 2023-04-18
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 XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a dispute regarding my credit report, which I believe contains inaccurate and incomplete information that is negatively affecting my financial standing. I request that you enforce the relevant laws and regulations to ensure the maximum possible accuracy of the information in my consumer report. 

According to my credit report, my name is listed as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX However, my correct name is XXXX XXXX XXXX. This error has caused me significant distress, as it has resulted in numerous discrepancies in my financial records, making it difficult to obtain loans or credit. 

Furthermore, my credit report lists multiple addresses that are inaccurate or incomplete. My current address is XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX, but the report lists several addresses that I have never lived at, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. These errors have made it challenging for me to verify my identity, which is essential for obtaining credit or housing. 

I believe that the credit bureaus may have violated several sections of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), Section 611 ( a ), and Section 611 ( b ). These sections require consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they include in consumer reports and to provide consumers with a free copy of their credit report once every 12 months upon request. Additionally, the FCRA requires consumer reporting agencies to promptly investigate any dispute regarding inaccurate or incomplete information in a consumer report and to correct or delete any inaccurate or incomplete information. 

Furthermore, the credit bureaus may have violated Section 612 and Section 623 ( a ) ( 2 ) of the Fair and Accurate Credit Transactions Act ( FACTA ). These sections require consumer reporting agencies to provide consumers with one free credit report per year and to promptly correct any inaccurate information. Additionally, FACTA requires furnishers of information to consumer reporting agencies to report accurate information. 

XXXX XXXX XXXX XXXX reporting that the last verified date for this account was XX/XX/XXXX, but XXXX XXXX not report any payment activity. Additionally, XXXX reported the date of last activity as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. Furthermore, XXXX reported the date reported as XX/XX/XXXX, but XXXX reported it as XX/XX/XXXX. Both XXXX and XXXX listed the payment status as charge off, but I never received any notification from them regarding this charge off account, nor did they provide me with any paperwork. 

This inaccurate and incomplete information is in violation of several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). FCRA Section 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they include in consumer reports. FCRA Section 611 ( a ) requires consumer reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request. FCRA Section 611 ( b ) requires consumer reporting agencies to promptly investigate any dispute regarding inaccurate or incomplete information in a consumer report and to correct or delete any inaccurate or incomplete information. Similarly, FACTA Section 612 requires consumer reporting agencies to provide consumers with one free credit report per year and to promptly correct any inaccurate information. FACTA Section 623 ( a ) ( 2 ) requires furnishers of information to consumer reporting agencies to report accurate information. 

XXXX XXXX has reported on my credit report. According to Experian, I was 30 days late on my account on XX/XX/XXXX, but I have not missed any payments on this account. Additionally, XXXX is showing that the account status is closed, while two other bureaus show it as open. 

I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), and potentially the Fair Debt Collection Practices Act ( FDCPA ).

FCRA Section 623 requires that furnishers of information to credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report. Section 611 ( a ) of the FCRA also gives consumers the right to dispute inaccurate information on their credit reports. If XXXX failed to maintain reasonable procedures to ensure the accuracy of the information they reported to the credit reporting agencies and did not investigate and correct any disputed inaccuracies, they may have violated the FCRA.

FACTA Section 312 amended the FCRA to require furnishers of information to CRAs to establish reasonable policies and procedures for the accuracy and integrity of the information they provide. If XXXX failed to establish such policies and procedures or provided inaccurate information to the CRAs without promptly correcting it, they may have violated FACTA.

TILA Section 164 requires lenders to provide accurate information to borrowers about the terms and conditions of their loans, including payment due dates and amounts. If XXXX provided inaccurate or misleading information to me about my account status or payment due dates, they may have violated TILA. 


XXXX and XXXX XXXX XXXXXXXX inquiry on my credit report. The inquiry is inaccurate and has caused significant harm to my credit score and financial well-being. 

As a result of this inaccurate inquiry, I have been denied credit opportunities, including loans and credit cards. I have also been subject to higher interest rates and fees, making it difficult for me to manage my finances and meet my financial obligations. This has caused me a great deal of stress and anxiety. 

Under the Fair Credit Reporting Act ( FCRA ), I believe that this inquiry violates Section 607 ( b ), which requires consumer reporting agencies ( CRAs ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports, including inquiries. Additionally, Section 611 ( a ) of the FCRA provides me with the right to dispute inaccurate information on my credit report. I have not authorized XXXX to make this inquiry and therefore it should be removed from my credit report.

I may also have a claim under the Fair and Accurate Credit Transactions Act ( FACTA ), which requires CRAs to provide consumers with a free copy of their credit report once every 12 months. If the XXXX inquiry is found to be inaccurate or can not be verified, I have the right to dispute it with the CRA. 

This inaccurate inquiry has caused me significant emotional distress and financial harm. I kindly request that you enforce the legal violations and remove this unverified account from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX 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