Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to address a multitude of inaccuracies and violations present on my credit report that are impacting my credit profile, rights, and financial well-being. The information being reported is not only misleading but also contrary to the provisions established by numerous federal consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Consumer Financial Protection Act ( CFPA ), and others. My primary objective is to have these errors promptly corrected to ensure that my rights as a consumer are upheld and my creditworthiness is accurately reflected. 

Name Discrepancy : I have identified an erroneous name being reported on my credit report as " XXXX XXXX. '' My correct and legal name is " XXXX XXXX. '' I request that you immediately correct this name discrepancy to ensure that my credit report accurately reflects my legal identity. 

Address Inaccuracies : I have also identified discrepancies in the addresses listed on my credit report, specifically : 1. XXXX XXXX XXXX, XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX These addresses have never been associated with my residence. I request that you promptly remove these inaccurate addresses from my credit report. 

Specific Disputes and Violations : 1. XXXX [ Account Number : XXXX ] - Violations : Inaccurate account status, balance, and credit limit reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( B ), and 623 ( a ) ( 2 ). 
- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

2. XXXX XXXX XXXX XXXX [ Account Numbers : XXXX and XXXX ] - Violations : Inaccurate account status, balance, and payment history reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). 
- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

3. XXXX [ Account Number : XXXX ] - Violations : Inaccurate account status, balance, and past due amount reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). 
- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

4. XXXX XXXX  [ Account Number : XXXX ] - Violations : Inaccurate reporting with unknown payment history. 
- Violation of FCRA Sections 607 ( a ) ( 1 ) and 623 ( a ) ( 2 ). 

5. XXXX [ Account Number : XXXX ] - Violations : Inaccurate account status and balance reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ).

- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

6. XXXX XXXX XXXX  XXXX [ Account Number : XXXX ] - Violations : Inaccurate account status, balance, and past due amount reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ).

- Violation of FDCPA Sections 805 ( a ) ( 2 ) and 807 ( 8 ). 

7. XXXX XXXX [ Account Number : [ Your Account Number ] ] - Violations : Inaccurate credit limit reported. 
- Violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 

8. XXXX [ Account Number : [ Your Account Number ] ] - Violations : Inaccurate balance, highest balance, and payment history reported. 
- Violation of FCRA Sections 607 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ). 

Fraudulent Inquiries : 1. XXXX XXXX - Inquiry Date : XXXX XXXX, XXXX  - Violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

2. XXXX XXXX XXXX - Inquiry Date : XXXX XXXX, XXXX  - Violation of FCRA Section 604 ( a ) ( XXXX ) ( A ). 

3. XXXX XXXX - Inquiry Date : XXXX XXXX, XXXX  - Violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

I am also addressing the tactics that may be perceived as deliberate stall tactics. I urge you to cease any actions or delays that impede the timely resolution of these disputes, as they violate the FCRA 's mandate to conduct prompt investigations. 

I request a thorough investigation into each of the aforementioned discrepancies and violations as outlined by the FCRA. I anticipate that prompt corrective actions, including the removal or amendment of any inaccurately reported information, will be taken. 

I kindly request a detailed written response containing the findings of your investigation, the measures taken, and an updated credit report reflecting the rectifications made. 

I am fully aware of my rights as a consumer and the extensive protections granted by the federal consumer protection laws mentioned earlier. Should further legal action be necessary to uphold my rights, I am prepared to take the appropriate steps to ensure compliance. 

Thank you for your immediate attention to this matter. For any additional information, you may reach me at [ phone number ] or [ email address ].

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