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 Place XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1987 SS # : XXXX. 
Dear Sir/Madam, I am writing to file a formal dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ) by multiple creditors, as outlined below. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce the legal rights afforded by the FCRA and rectify the injustices I have faced due to these violations.

Incorrect Personal Information ( Name and Date of Birth ) : Violation : FCRA Section 1681e ( b ) Explanation : The creditors have reported my personal information inaccurately, including my name and date of birth. This has caused considerable distress, as this misinformation could lead to incorrect financial decisions based on the incorrect data. 

Account Involvement and Reporting Violations ( XXXX XXXX  XXXX - Account Number : XXXX ) : Violations : FCRA Sections 1681c ( a ), 1681e ( b ), 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) Explanation : These creditors have not only inaccurately reported account information involving litigation, but they have also reaged accounts, reinserted negative information without proper notice, and failed to conduct proper investigations into my disputes. These actions have significantly impacted my ability to secure loans and manage my financial life. 

Account Involvement and Reporting Violations ( XXXX - Account Number : XXXX ) : Violations : FCRA Sections 1681c ( a ), 1681e ( b ), 1681i, 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) Explanation : Similar to the previous account, these creditors have inaccurately reported account information involving litigation, reaged accounts, reinserted negative information without proper notice, and failed to conduct proper investigations. These actions have hindered my financial stability and progress.

The impact of these violations on my life has been profound and distressing. These inaccurate entries have led to denials for credit opportunities, causing me to lose out on securing a home loan to provide stability for my family. Additionally, the emotional toll has been overwhelming. I recall the heartache of explaining to my children why we couldn't move into the house we had hoped for, which was devastating for them as well as myself.

These violations have not only caused financial harm but have also taken a toll on my mental and emotional well-being. I am now faced with the burden of navigating these inaccuracies while striving to build a better future for my family. I implore the Consumer Financial Protection Bureau to take immediate action to enforce the legal rights provided by the FCRA.

In light of the aforementioned violations, I respectfully request that the creditors promptly remove the unverified accounts from my credit report, as these entries have been the source of significant hardship for me and my family. Your intervention would not only restore justice in my case but would also reaffirm the importance of fair and accurate credit reporting practices.

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to ensuring fair treatment for consumers, and I eagerly await your response. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information or clarification. 

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 explanation