Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NV
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 XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX SSN : XXXX XXXX : XX/XX/1989 Dear Sir/Madam, I am writing to lodge a formal dispute regarding inaccurate information on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ) and its corresponding regulations. I kindly request the Consumer Financial Protection Bureau 's intervention to enforce my legal rights and rectify the erroneous reporting by the creditors in question. 

Creditor Violations : XXXX : Account number : XXXX Violations : Reporting Inaccuracy Explanation : The reported late payment history is entirely inaccurate. To my knowledge, this account has consistently been paid on time. This inaccurate reporting has profoundly impacted my credit standing, leading to personal and financial difficulties. 

XXXX XXXX XXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The inclusion of this incorrect address on my credit report has caused significant distress. This address is not associated with me, and its presence has unfairly damaged my creditworthiness and personal reputation. 

XXXXXXXX XXXX XXXXXXXX NV XXXX XXXX : Violations : Incorrect Personal Information Explanation : The erroneous attachment of this address to my credit history has caused considerable emotional turmoil. I have never lived at this address, and its inclusion on my credit report is adversely affecting my financial opportunities and overall quality of life. 

Personal Impact : The ramifications of these inaccuracies have been far-reaching and deeply emotional. The credit reporting errors have led to denials of crucial financial opportunities, including mortgage applications and credit extensions. These rejections have upended my dreams of homeownership and have hindered my ability to provide stability for my family. The constant struggle against these inaccuracies has inflicted severe emotional distress, leaving me feeling helpless and defeated. 

I implore the Consumer Financial Protection Bureau to stand as a champion for consumers ' rights and ensure that justice is served. I call upon you to enforce the provisions of the FCRA to compel the creditors in question to perform a thorough and timely investigation. Additionally, I kindly request the removal of the unverified accounts from my credit report, as their presence is unjust and continues to exacerbate the undue hardship I face. 

I look forward to your assistance in rectifying this distressing situation. Please communicate your progress and resolution to me in writing at the address provided above. Your intervention in this matter would provide much-needed relief and restore my faith in the fairness of the credit reporting system. 

Thank you for your immediate attention and understanding of the importance of 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