Consumer complaint received 2023-07-28
Company: Experian Information Solutions Inc.
State: FL
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, Florida XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 

Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. 
Receive notification if information in my file has been used against me in applying for credit or other transactions. 
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). 
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes. 

Dear Sir/Madam, I am writing to dispute certain inaccurate and questionable information that is currently being reported on my credit file. As a consumer, I am well aware of my rights under various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACT ACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 



FCRA ( Fair Credit Reporting Act ) : The FCRA mandates that consumer reporting agencies must provide accurate and up-to-date information on credit reports. I believe that the following entries on my credit report do not comply with the FCRA : XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXXXXXX XXXX  : Date of Inquiry : XX/XX/XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX  : Date of Inquiry : XX/XX/XXXX FDCPA ( Fair Debt Collection Practices Act ) : I am also invoking my rights under the FDCPA, which regulates debt collectors and their conduct. I believe that the credit inquiries mentioned above could be related to debt collection activities. As such, I request verification of these inquiries and proof that they comply with the FDCPA. 



FACT ACT ( Fair and Accurate Credit Transactions Act ) : The FACT ACT provides consumers with the right to request and dispute free credit reports once a year from each of the three major credit reporting agencies. I am exercising this right to dispute the information mentioned in my credit report.

TILA ( Truth in Lending Act ) : Under the TILA, consumers have the right to receive accurate and clear information regarding the terms and conditions of credit accounts. The accounts listed under " XXXX XXXX '' and " XXXX '' are unfamiliar to me, and I demand proper validation of these accounts as per the TILA. 



RESPA ( Real Estate Settlement Procedures Act ) : Though my dispute doesn't directly involve real estate transactions, I want to ensure that my rights under RESPA are preserved should any relevant circumstances arise. 



ECOA ( Equal Credit Opportunity Act ) : The ECOA prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. I expect that all items on my credit report are based on objective and non-discriminatory criteria.

FCBA ( Fair Credit Billing Act ) : Under the FCBA, consumers have the right to dispute billing errors on their credit accounts. The accounts listed under " XXXX XXXX, '' " XXXX, '' " XXXX XXXX, '' " XXXX, '' " XXXX, '' " XXXX, '' and " XXXX '' appear to be inquiries related to credit applications. However, I have no recollection of authorizing these inquiries, and I believe they may be erroneous billing entries. As such, I request an investigation into these inquiries and their immediate removal. 



Additional Dispute : Furthermore, I dispute the following entry on my credit report : XXXX  : Account Number : XXXX I am unable to recognize this business or the associated account. I urgently request an investigation into its validity as per the FCRA. 



According to the FCRA, you are required to conduct a reasonable investigation into my disputes within 30 days and provide me with a written response detailing the actions taken. I also request that you correct or remove any inaccurate information found during your investigation. 



Please find attached copies of relevant documents supporting my identity and address. Additionally, I ask that you notify all entities that have received my credit report within the past six months about the disputed items and rectifications, as required by the FCRA.

Failure to comply with the FCRA and other relevant laws may result in further legal action to protect my rights as a consumer. I trust that you will handle this matter with the utmost diligence and provide a timely resolution. 



Thank you for your attention to this matter, and I look forward to receiving your response within the statutory 30-day period. 



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