Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madame, I hope this letter finds you well. I am writing to address several items on my credit report that I believe to be not only inaccurate but also potentially in violation of several important consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTACT ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Specifically, I have identified the following discrepancies : XXXX XXXX - Date of Inquiry : XX/XX/XXXX - FCRA Violation This inquiry was not authorized by me, and I am concerned that it might be a result of fraudulent activity. Under the FCRA, I have the right to dispute inaccurate information and have it promptly investigated and removed from my credit report. 



XXXX XXXX  - Account Number : XXXX - FCRA Violation The reporting on this account is entirely inaccurate, as I have never made late payments. This erroneous reporting has negatively impacted my credit score and financial standing. The FCRA mandates that credit reporting agencies must provide accurate information, and I expect the necessary updates to be made immediately. 



XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX - FCRA Violation This inquiry was not authorized by me, and I suspect it may be a result of fraudulent activity. The FCRA affords me the right to dispute any unauthorized inquiries and request their immediate removal from my credit report. 



XXXX XXXX XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX - FCRA Violation I have no recollection of authorizing this inquiry, and I am concerned that it may be due to fraudulent actions. Under the FCRA, I am entitled to dispute and have any potentially fraudulent inquiries removed from my credit report. 



XXXX XXXX XXXX XXXX - Account Number : XXXX - FCRA Violation The reporting on this account is completely inaccurate, as I have never been late on payments. This erroneous information is negatively affecting my credit score and financial well-being. The FCRA requires credit reporting agencies to ensure the accuracy of credit information, and I demand that you promptly update this account 's information. 



In addition to FCRA violations, I believe that the aforementioned inaccuracies may also be in contravention of other consumer protection laws, such as the FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA, which protect consumers from unfair and deceptive practices in the financial industry. 



Under these consumer protection laws, I assert my rights to receive fair and accurate credit reporting, dispute any inaccuracies, and have the reported information promptly corrected or removed. I hereby request a thorough investigation into these matters and urge you to take immediate action to rectify the identified discrepancies. 



As per the FCRA, I expect a response to this dispute within 30 days of your receipt of this letter. Additionally, please provide me with written confirmation of the actions taken to address and resolve these violations. 



Should you require any further information from me, or if you need copies of supporting documents, please do not hesitate to reach out using the contact information provided above. 



Thank you for your immediate attention to this matter. I trust that you will uphold your responsibilities under the applicable consumer protection laws and take the necessary steps to rectify these violations promptly. 





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