Consumer complaint received 2023-08-16
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 XXXX  XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1987 SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute inaccurate and incomplete information on my credit report, which has had a significant negative impact on my life. I kindly request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Fair Credit Reporting Act ( FCRA ) Violations : Incorrect Personal Information ( Name - XXXX XXXX ) : Violation of 1681c. Requirements relating to information contained in consumer reports. 
Incorrect Personal Information ( Date of Birth - XXXX ) : Violation of 1681c. Requirements relating to information contained in consumer reports. 
Incorrect Reporting of Account Information ( XXXX XXXX  XXXX - Account Number : XXXX ) : Violations of 1681e, 1681i. Responsibilities of furnishers of information to consumer reporting agencies ; Responsibilities of users of consumer reports regarding investigative consumer reports. 
Incorrect Reporting of Account Information ( XXXX - Account Number : XXXX ) : Violations of 1681e, 1681i. Responsibilities of furnishers of information to consumer reporting agencies ; Responsibilities of users of consumer reports regarding investigative consumer reports. 
Incorrect Personal Information ( Employer - XXXX XXXX ) : Violation of 1681c. Requirements relating to information contained in consumer reports. 
Incorrect Personal Information ( Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ) : Violation of 1681c. Requirements relating to information contained in consumer reports. 
These violations have had a profound impact on my life. The inaccuracies and incomplete information have led to denials of credit applications, increased interest rates, and emotional distress. The stress caused by these issues has affected my sleep, health, and overall well-being. Imagine constantly feeling like your financial history is misrepresented, making it impossible to achieve the milestones you've worked so hard for. 

I am now at a point where I'm struggling to secure reasonable loan terms for important life events such as purchasing a home or obtaining reliable transportation. I am reaching out to you in my pursuit of justice and fairness, as I believe these violations have not only hurt my financial stability but have also affected my mental and emotional health. 

I kindly ask that the Consumer Financial Protection Bureau takes action to enforce the relevant laws and ensure that these violations are addressed promptly. Specifically, I request that the following unverified accounts be removed from my credit report : XXXX XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) I appreciate your attention to this matter and the assistance you provide to consumers like me who strive for a fair and accurate representation of their financial history. Thank you for your time and consideration. 

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