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 XXXX, California XXXX Date of Birth : XX/XX/1998 SS # : XXXX Dear Sir/Madam, I am writing to lodge a formal dispute regarding inaccurate and unverified information that has been reported on my credit report. I kindly request your assistance in addressing these issues and enforcing the legal provisions outlined by the relevant consumer protection laws. The inaccuracies and violations pertain to several accounts, and I am seeking your intervention to rectify these matters promptly. 

I am deeply concerned about the impact these inaccuracies have had on my financial well-being and overall quality of life. Allow me to share a personal story that vividly illustrates the significant emotional toll these errors have taken : Several years ago, my family and I were faced with unexpected medical expenses that strained our finances. During this challenging time, maintaining timely payments became paramount. Despite our efforts to ensure that all payments were made promptly, I was shocked to discover that inaccurate late payment information had been reported by XXXX on account number XXXX. This erroneous reporting has tarnished my creditworthiness and has hindered my ability to secure fair loans and financing options. It has been incredibly disheartening to see my years of responsible financial behavior misrepresented in this way. 

Furthermore, I have noticed that the account associated with XXXX XXXX XXXX XXXX, account number XXXX, contains numerous violations. These violations include inaccurate reporting of litigation involvement, an incorrect high balance, an inaccurate date of last activity, " reaged accounts '' issues, and reinsertion without proper notice. Such errors have created undue stress and XXXX, as I strive to maintain a stable financial situation for my family. These inaccuracies have further complicated my attempts to establish a secure financial footing, making it significantly more challenging to achieve our goals and provide a secure future for my loved ones. 

Given the emotional distress and financial setbacks these inaccuracies have caused, I kindly request your intervention to address these violations. I urge you to enforce the legal provisions designed to protect consumers like me from the repercussions of such erroneous reporting. Specifically, I am requesting that the following unverified accounts be promptly removed from my credit report : Account with XXXX, Account Number : XXXX Request the removal of the inaccurate late payment information and the correction of the payment status. 
Account with XXXX XXXX XXXX XXXX, Account Number : XXXX Request the complete removal of this account due to the numerous violations and inaccuracies associated with it. 
I appreciate your attention to this matter and your dedication to upholding consumer rights. Your intervention will undoubtedly provide much-needed relief and allow me to work toward rebuilding my financial stability. I kindly request updates on the progress of this dispute and any actions taken to address these violations. 

Thank you for your time and consideration. 

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