Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX Texas XXXX SS XXXX  : XXXX Date of Birth : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to file a formal dispute against several creditors who have violated my rights as a consumer, as outlined in the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). I am seeking your assistance in enforcing these legal provisions to protect my consumer rights. 



I have been facing immense challenges due to the actions of these creditors, and I wish to share with you the profound impact it has had on my life. The violations of the above-mentioned laws have caused severe emotional distress and financial hardship, affecting not only my creditworthiness but also my overall well-being. 



One significant violation that stands out is the Section 605 ( a ) ( 5 ) violation of the FCRA by multiple creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Despite the statute of limitations on credit inquiries having expired, these creditors have allowed inquiries to persist on my credit report, unjustly tarnishing my creditworthiness and hindering my access to essential financial services. 



Additionally, Section 807 ( 8 ) of the FDCPA has been violated by debt collectors, further exacerbating my distress. Debt collectors from various entities, including XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, have communicated with me at unusual times, disrupting my peace and causing considerable XXXX These incessant calls and communications during inconvenient hours have taken a toll on my mental health and overall quality of life. 



Furthermore, the violation of Section 628 of FACTA by entities such as XXXX XXXX XXXX has left my personal information vulnerable to potential identity theft. Their failure to properly dispose of consumer report information has exposed me to severe privacy risks, perpetuating a constant state of fear and insecurity. 



Moreover, creditors likXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX have violated the Fair Credit Billing Act ( FCBA ) - Section 161 by inaccurately reporting information on my credit report. These erroneous entries have negatively impacted my credit score and financial reputation, hindering my ability to secure loans and access necessary resources. 



Given these significant violations, I respectfully request the following actions : Enforce the relevant provisions of the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA to hold these creditors accountable for their unlawful actions. 

Investigate and ensure the removal of unverified account inquiries that have exceeded the statute of limitations from my credit report. 

Compel creditors to validate and correct all inaccurate information reported on my credit report, including the removal of unauthorized inquiries and erroneous billing entries. 

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into these violations and take appropriate actions to safeguard my rights as a consumer. Your intervention in this matter is of paramount importance to alleviate the emotional distress and financial burden I have endured. 



I appreciate your attention to this matter and request a prompt response. Please feel free to reach me at the provided address or phone number should you require any further information. 



Thank you for your assistance in resolving this dispute and upholding consumer protections. 



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