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 XXXX XXXX, California XXXX Date of Birth : XX/XX/1990 SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ) that have severely impacted my financial well-being and overall quality of life. I humbly request your intervention to ensure that the legal provisions are enforced and that the involved creditors rectify the situation. 

FCRA Violations : Inaccurate Information on Credit Report : I have discovered inaccurate information on my credit report that has deeply affected my ability to secure loans and maintain financial stability. Per FCRA Section 611, I exercised my right to dispute these inaccuracies through the prescribed procedures. Subsection ( a ) ( 1 ) ( A ) emphasizes the importance of accurate credit reporting, yet these inaccuracies persist, violating my rights as a consumer. 

Unauthorized Inquiry : My credit report shows unauthorized inquiries by entities such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. FCRA Section XXXX outlines permissible purposes for consumer reports, but I did not provide consent for these inquiries. Subsection ( a ) ( 3 ) ( F ) stipulates the necessity of a legitimate business need for such inquiries, which has not been fulfilled in these cases. 

Unauthorized Reporting to Credit Report without Permission : It has come to my attention that certain entities, such as XXXX XXXX XXXX and others, have reported accounts to my credit report without my explicit permission. This violates FCRA Section 604, Subsection ( a ) ( XXXX ) ( F ), as well as my right to accurate and fair credit reporting. 

FDCPA Violations : Demand for Deletion of Account under 15 USC 1692f : I assert that XXXX Account Number : XXXX and XXXX XXXX XXXX Account Number : XXXX are in violation of the Fair Debt Collection Practices Act. Section 1692f, Subsection ( 1 ), explicitly prohibits the collection of any amount unless expressly authorized by the agreement or permitted by law. I demand immediate deletion of these accounts in accordance with this statute. 

Unauthorized Reporting to Credit Report without Permission : Furthermore, I did not provide permission for XXXX XXXX XXXX Account Number : XXXX to be reported to my credit report. This act violates FDCPA Section 807, Subsection ( 8 ), which disallows communicating false credit information, including the failure to communicate that a disputed debt is under dispute. 

TILA Violation : Reporting Inaccurate Account Status under 15 US Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) : I strongly believe that XXXX XXXX Account Number : XXXX 's inaccurate reporting of my account status breaches TILA 's commitment to accurate and transparent credit information. Section 1666i outlines the responsibilities of furnishers of information to consumer reporting agencies, which includes providing accurate and complete information. 
These violations have brought significant distress into my life. I would like to share a personal story of how these inaccuracies and unauthorized inquiries have impacted me emotionally and financially. [ Here, you can provide specific details about how these violations have affected your life, such as difficulties in obtaining loans, emotional stress, missed opportunities, etc. ] In light of the aforementioned violations, I kindly request the following actions be taken : Enforce the legal provisions under FCRA, FDCPA, and TILA to address the violations by the involved creditors. 
Request the immediate removal of the unverified accounts from my credit report, as per my rights as a consumer. 
I appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to a swift resolution and the restoration of accurate credit reporting. 

Thank you for your time and consideration. 

Sincerely,

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