Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint against several creditors whose actions have egregiously violated the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681i, and 1681g. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to take swift and effective action to address these violations and enforce the pertinent legal requirements.

The impact of these violations on my life has been profound, causing immense emotional distress and hindering my ability to pursue financial goals. To provide context, I would like to share a deeply personal experience that underscores the severity of these violations. 

I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 

The following creditors and account numbers have been identified for violations of the Fair Credit Reporting Act : XXXXXXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section XXXX ( b ) XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX  : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX  : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX  XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX  : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Violation : Unauthorized Credit Pull - FCRA Section 1681g XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX  XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX | XX/XX/XXXX : Account number : XXXX Violation : Unauthorized Credit Pull - FCRA Section 1681g XXXX : Account XXXX XXXX XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX  XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) The impact of these violations on my life has been profound, causing immense emotional distress and hindering my ability to pursue financial goals. To provide context, I would like to share a deeply personal experience that underscores the severity of these violations.

[ Share a detailed and emotional personal story about how the inaccurate information on your credit report has affected your life. Describe the financial challenges, emotional turmoil, and opportunities that have been lost due to the violations. Highlight how these inaccuracies have impacted your ability to secure loans, employment, housing, or other important life aspects. ] These actions have not only damaged my creditworthiness but have also shattered my confidence and sense of security. It is difficult to express the emotional toll this has taken on my mental well-being. I implore the CFPB to consider the human aspect of these violations, beyond the mere legal framework.

In light of the violations detailed above, I respectfully request the following actions to be taken : Conduct a thorough investigation into the inaccurate information reported by the creditors listed in my complaint.

Enforce the relevant sections of the Fair Credit Reporting Act ( FCRA ) and any other applicable laws to hold the creditors accountable for their actions. 
Require the removal of all unverified and inaccurate accounts from my credit report. These inaccuracies have led to unwarranted denials and adverse decisions impacting my financial health. 
I firmly believe that by addressing these violations and ensuring fair and accurate credit reporting, the Consumer Financial Protection Bureau can make a significant positive impact on my life and the lives of countless others who are facing similar challenges. 

Thank you for your time, attention, and dedication to upholding consumer rights. I am hopeful that the CFPB will play a vital role in rectifying these violations and promoting fair credit practices. 

Sincerely, XXXX 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