Consumer complaint received 2023-05-15
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:
Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS/institutions BELOW. 

I am writing to file a formal complaint against Experian, XXXX, and XXXX, the major credit reporting agencies. I have recently discovered multiple inaccuracies in my credit reports, which have negatively impacted my creditworthiness and financial standing. I believe that these credit reporting agencies have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and have not provided the necessary disclosures as required by Section 6803 of the FCRA.

First and foremost, I would like to emphasize that I am fully aware that the aforementioned credit reporting agencies are private companies operating in the credit reporting industry. However, their status as private entities does not exempt them from complying with the FCRA and ensuring fairness and accuracy in the information they report.

According to Section 6803 of the FCRA, credit reporting agencies are obligated to make certain disclosures in a conspicuous manner to consumers. These disclosures are vital for consumers to understand their rights and the impact of the information reported by these agencies. Regrettably, I have found that the required disclosures were not made sufficiently conspicuous to me as a consumer, depriving me of essential information and my rights under the FCRA.

Moreover, I would like to draw your attention to Section 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, which states that the term " consumer report '' does not include certain information in specific circumstances. I believe that the accounts mentioned in my complaint fall under these exclusions due to their inaccuracies and improper reporting.

Upon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.

As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX XXXX. Dept of Ed/ XXXX : # XXXX Given the severity of the inaccuracies and the adverse impact they have on my creditworthiness, I request an immediate deletion of these inaccuracies from my overall credit report, or else legal action will be pursued and a intent to sue will be filed. 


As a consumer, I have the right to accurate and complete information in my credit report. The inaccurate and incomplete information provided by the above-mentioned creditors has caused substantial harm to my creditworthiness, and it has negatively impacted my ability to obtain credit or loans at reasonable interest rates. 

Furthermore, I would like to point out that the above-listed accounts were reported without my permission. As per Section 604 of the FCRA, the credit bureaus are required to obtain written consent from the consumer before including any item in their credit report. However, in my case, I did not provide any consent to report these accounts, which is a violation of my rights under the FCRA.

I would also like to draw your attention to the exclusion clause under the FCRA Section 603 ( d ) ( 2 ) ( A ) ( i ), which states that " the term 'consumer report ' does not include ... any communication of any of the following types if it is clearly and conspicuously disclosed to the consumer - ( I ) communications related to the account or transaction that the consumer has with the creditor or the creditor 's affiliate. '' As I have never had any transactions or accounts with the creditors mentioned above, their communication should not be listed on my credit report.

Moreover, as per Section 623 ( a ) ( 1 ) ( A ) of the FCRA, any information that is inaccurate, incomplete, or unverifiable must be corrected or deleted. Therefore, I urge you to take immediate action to remove the above-listed accounts from my credit report as they are not mine and are inaccurate and incomplete.

If the above accounts are not removed immediately, I will have no choice but to take legal action against the credit bureaus and the creditors involved. I am confident that my rights as a consumer will be protected by the CFPB and that the credit bureaus and the creditors will be held accountable for their actions.

Their failure to respond within the designated timeframe is a direct violation of the FCRA, which protects consumers ' rights to timely and accurate investigations of their disputes. As a result, I request that these accounts be deleted from my credit report immediately, as their continued presence is unjust and detrimental to my creditworthiness.

I kindly urge the CFPB to intervene and take appropriate action against the aforementioned creditors for their non-compliance with FCRA regulations. Furthermore, I emphasize my intent to pursue legal action if the accounts are not promptly deleted from my credit report in accordance with the FCRA.

Please have EXPERIAN, XXXX, & XXXX only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter. 

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