Consumer complaint received 2023-08-24
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/1998 SS # : XXXX Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my financial well-being and peace of mind. I am seeking your assistance in enforcing the legal provisions that protect consumers like me from inaccuracies and questionable practices by creditors and credit reporting agencies. 

Violation 1 : Failure to provide clear and accurate information regarding the account.

Relevant FCRA Section : FCRA Section 611 ( a ) ( 1 ) ( A ) I have identified several accounts on my credit report that are in violation of FCRA Section 611 ( a ) ( 1 ) ( A ). Despite repeated attempts to seek clarification, the information associated with these accounts remains questionable and unclear. This lack of transparency has left me frustrated and anxious about the accuracy of my credit report. The following accounts are examples of this violation : XXXX Account XXXX : XXXX The account 's name and number are questionable. Despite my efforts to clarify this information, no satisfactory response has been provided, and I am left uncertain about the legitimacy of this account. 
XXXX Account XXXX : XXXX Similar to the previous account, this account 's name and number are also questionable. Despite my attempts to seek clarification, there has been no resolution, and the lack of transparency raises concerns about the accuracy of my credit report. 
Violation 2 : Inaccurate reporting of personal information.

Relevant FCRA Section : FCRA Section 607 ( b ) I have observed inaccuracies in the reporting of personal information on my credit report, which is a violation of FCRA Section 607 ( b ). These inaccuracies have led to confusion and misunderstandings, causing unnecessary distress as I strive to maintain a stable financial standing. The following entry illustrates this violation : ALSO KNOWN AS : XXXX XXXX XXXXXXXX, XXXX, XXXX This entry contains variations of my name that are not accurate representations. The inclusion of incorrect aliases has led to confusion and misrepresentation. 
Violation 3 : Inaccurate reporting of previous addresses.

Relevant FCRA Section : FCRA Section 607 ( b ) Inaccurate reporting of previous addresses, a violation of FCRA Section 607 ( b ), has further compromised the accuracy and reliability of my credit report. The following entries exemplify this violation : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is incorrect and has raised concerns about the overall accuracy of my credit report. 
PREVIOUS ADDRESS : XXXX XXXX, CA XXXX Similarly, this address entry is incorrect and has added to the confusion and inaccuracies present in my credit report. 
I would like to share a personal story to illustrate how these violations have affected my life. As a single parent, I have worked diligently to provide a stable and secure future for my child. A few months ago, when I applied for a mortgage to secure our first home, I was shocked to learn that my credit report contained inaccurate information that adversely affected my credit score. This misinformation resulted in higher interest rates, increased financial strain, and the possibility of losing out on the opportunity to provide a stable home for my child. The emotional toll has been overwhelming, as my efforts to build a better life have been hindered by factors beyond my control. 

In light of these violations and the tangible impact they have had on my life, I respectfully request your intervention to address the following : Thorough Investigation : I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the inaccuracies and questionable practices related to the aforementioned accounts and personal information on my credit report. 

Enforcement of FCRA Provisions : I kindly ask the CFPB to enforce the legal provisions outlined in the Fair Credit Reporting Act, ensuring that creditors and credit reporting agencies uphold their responsibilities in maintaining accurate and transparent consumer information. 

Removal of Unverified Accounts : I request that the creditors, including XXXX, remove the unverified accounts with the account numbers mentioned above from my credit report, as the information associated with these accounts lacks clarity and legitimacy. 

I want to express my gratitude for your attention to this matter and your commitment to safeguarding the rights and interests of consumers. Your intervention will not only rectify the injustices I have faced but also contribute to a fair and transparent credit reporting system for all consumers. 

Please find attached supporting documents, including correspondence with the creditors and credit reporting agencies. I eagerly await your response and the resolution of these pressing concerns. 

Thank you for your time and consideration. 

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