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: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear Sir/Madam, I am writing to formally dispute and seek your assistance in addressing violations of consumer protection laws that have profoundly impacted my life. These violations involve multiple creditors who have inaccurately and without authorization reported information to credit reporting agencies, thereby infringing upon my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant regulations including the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ). The seriousness of these violations can not be overstated ; they have not only caused unwarranted financial distress but also significant emotional turmoil. 

I hold the sincere hope that the Consumer Financial Protection Bureau will stand as a guardian of justice and advocate for consumers like me who have suffered due to these unjust actions. 

Unauthorized Inquiries ( FCRA Violation ) : I bring to your attention the following creditors who conducted unauthorized inquiries into my credit report on the specified dates, without my knowledge or consent : 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 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 These unauthorized inquiries violate Section 604 of the FCRA ( 15 U.S.C. 1681b ), which requires that a consumer reporting agency may only furnish a consumer report in response to a request from someone with a permissible purpose, and such requests must have been made with the consumer 's consent. 

Inaccurate Account Reporting and Improper Practices ( FCRA Violation, FDCPA Violation ) : Furthermore, I bring to your attention the following creditors who have reported inaccurate and unverified information, detrimentally affecting my creditworthiness : 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 These violations include both FCRA and FDCPA infringements. Under Section 623 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), furnishers of information are required to provide accurate and complete information to credit reporting agencies. Furthermore, the creditors ' actions may also violate the FDCPA ( 15 U.S.C. 1692e ), which prohibits the use of false, deceptive, or misleading representations in connection with the collection of a debt. 

Given the aforementioned violations and their adverse consequences, I respectfully request the Consumer Financial Protection Bureau to intercede on my behalf. I implore you to enforce the legal provisions safeguarding consumers like me from unjust practices, ensuring that the implicated creditors promptly and diligently address these concerns. Specifically, I kindly request the removal of the unverified accounts listed above from my credit report to rectify the inaccurate portrayal of my creditworthiness. 

Your timely intervention would not only rectify my current predicament but also restore my trust in the regulatory mechanisms that uphold consumer rights within our nation. I deeply appreciate your attention to this matter and extend my gratitude for your commitment to establishing an equitable and impartial financial system for all consumers. 

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