Consumer complaint received 2023-08-18
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws that have negatively impacted my credit history. I am kindly requesting your assistance in addressing these violations and ensuring that my rights are upheld under the law. 

I want to emphasize the gravity of these violations and their profound impact on my financial well-being and overall quality of life. These inaccuracies and violations have caused undue stress, hindered my ability to secure reasonable interest rates on loans, and even affected my eligibility for certain housing options. The emotional toll of constantly struggling to rectify these issues has been overwhelming, leaving me in a state of XXXX and frustration. 

Here are the specific violations I have identified : XXXX XXXX - Account Number : XXXX While no specific violation is mentioned for this account, it remains a point of contention that has contributed to the overall burden on my credit history. 
XXXX XXXX  XXXX - Account Numbers : XXXX and XXXX Violation : Inaccurate Reporting under FCRA and FDCPA The inaccurate reporting of late payments on these accounts violates FCRA ( Section 623 ( a ) ( 1 ) ( A ) ) and FDCPA ( Section 805 ( b ) ), causing severe damage to my credit profile and undermining my financial reputation. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX Violation : Inaccurate Personal Information under FCRA The inclusion of this incorrect address on my credit report contradicts the FCRA 's requirement for accurate and verifiable personal information, as outlined in Section 607 ( b ). 
XXXX XXXX XXXX - Account Number : XXXX Violation : Unrecognized Account under FCRA Reporting an unverified account without proper validation, as required by FCRA ( Section 623 ( a ) ( 1 ) ( C ) ), has negatively impacted my creditworthiness. 
CREDIT ACCEPTANCE - Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry under FCRA This unauthorized inquiry, which lacks my consent as mandated by FCRA ( Section 604 ( a ) ( 3 ) ( B ) ), has further compromised my financial privacy and undermined my control over credit inquiries. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX CA XXXX, Violation : Inaccurate Personal Information under FCRA The inclusion of another incorrect address on my credit report disregards the FCRA 's requirement for accurate and verified personal information. 
I implore you to take into account the personal hardships these violations have caused. My credit history, financial stability, and overall well-being have suffered immensely due to these inaccuracies and violations. I kindly request your intervention to ensure that these unverified accounts and inaccurate information are promptly removed from my credit report. 

I am hopeful that the Consumer Financial Protection Bureau will enforce the legal protections afforded by the FCRA, FDCPA, and other applicable laws. Your assistance in rectifying these violations will not only alleviate the emotional distress I have endured but also restore my financial standing to a position that accurately reflects my responsible financial behavior. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rightful creditworthiness. Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to aid in the resolution process. 

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