Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: AZ
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, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute and request the immediate correction of inaccurate information on my credit report. After reviewing my credit report, I have identified several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 



Violation of FCRA : XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were made without my authorization, which is a violation of FCRA Section 604 ( a ) ( 3 ) ( B ). I demand the immediate removal of these unauthorized inquiries from my credit report. 



Violation of FCRA, FACTACT, and FDCPA : XXXX XXXX XXXX - Account Number : XXXX The inclusion of this account on my credit report violates FCRA Sections 605 ( a ) and 611 ( a ) ( 1 ) ( A ) and FACTACT Section 312 ( b ). I do not recognize this business and demand that you investigate the validity of this account. If you can not verify its accuracy, remove it from my credit report. 



Violation of FCRA : XXXX XXXX XXXX - Account Number : XXXX The account 's name and number are questionable, which breaches FCRA Section 607 ( b ). Please provide the necessary documentation to verify the accuracy of this account, or remove it from my credit report as per FCRA Section 611 ( a ) ( 1 ) ( A ). 



Violation of FCRA and FCBA : XXXX XXXX - Account Number : XXXX Reporting this account as late is entirely inaccurate and violates FCRA Sections 605 ( a ) and 616. This wrongful reporting is damaging my credit, which also violates FCBA Section 1666i ( a ). I demand that you rectify this error and update the account information immediately. 



Violation of FCRA : XXXX XXXX XXXX - Account Number : XXXX The account 's name and number are questionable, and this violates FCRA Section 607 ( b ). Please provide documentation to verify the accuracy of this account, or remove it from my credit report as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 



Violation of FCRA : XXXX XXXX XXXX - Account Number : XXXX The account 's name and number are questionable, which breaches FCRA Section 607 ( b ). Please provide the necessary documentation to verify the accuracy of this account, or remove it from my credit report as per FCRA Section 611 ( a ) ( 1 ) ( A ). 



Violation of FCRA and ECOA : The following personal information is incorrect : Also Known As : XXXX XXXX XXXX This is not my name and is a violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and ECOA Section 202. I demand that you delete this incorrect information immediately.

Violation of FCRA and ECOA : The following personal information is incorrect : Also Known As : XXXX XXXX This is not my name and is a violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and ECOA Section 202. I demand that you delete this incorrect information immediately. 



Violation of FCRA : The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX This address is not correct and is a violation of FCRA Section 607 ( b ). Delete it immediately from my report as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 



Violation of FCRA : The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX This address is not correct and is a violation of FCRA Section 607 ( b ). Delete it immediately from my report as required by FCRA Section 611 ( a ) ( 1 ) ( A ). 



Under the aforementioned laws and codes, you are required to conduct a reasonable investigation into the disputed information and correct any inaccuracies promptly. I request that you provide me with written confirmation of the actions taken to resolve these disputes within 30 days. 



Additionally, as a consumer, I am entitled to a free copy of my updated credit report after these corrections have been made, in accordance with FCRA Section 612. 



Please take these disputes seriously, as any failure to comply with the applicable laws and correct the inaccuracies may result in legal action being taken against you. 



Thank you for your attention to this matter. I expect your immediate action to rectify the inaccuracies in my credit report. 



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