Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: AL
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 XXXXXXXX XXXX XXXX, Alabama XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I believe are inaccurate and are in violation of several laws and regulations, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ).

Violations of FCRA, FACTA, and FDCPA Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have no recollection of authorizing these credit inquiries, and as such, they should be removed from my credit report. FCRA and FACTA require that any credit inquiry must be authorized by the consumer. Since I did not authorize these inquiries, their inclusion on my credit report is in violation of FCRA and FACTA. 



Violations of FCRA, FCBA, and TILA Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Numbers : XXXX, XXXX, XXXX, XXXX The information reported for these accounts is inaccurate, specifically regarding the history of late payments. FCRA mandates that credit reporting agencies must report accurate and up-to-date information. However, the reported late payment history on these accounts is false, and its inclusion on my credit report is in violation of FCRA and FCBA. 



Violations of FCRA Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The listed accounts have either questionable account names, numbers, or lack verifiable information. FCRA requires that all information on my credit report be accurate and verifiable. Failing to clarify the accuracy of these accounts or deleting them promptly from my credit report violates FCRA. 



Violations of FCRA and FACTA Accounts : XXXX Date of Inquiry : XX/XX/XXXX Violations of FCRA and FACTA Accounts : XXXX OF XXXX Date of Inquiry : XX/XX/XXXX Violations of FCRA and FCBA Incorrect Personal Information Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Violations of FCRA and FCBA Incorrect Personal Information Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Violations of FCRA and FCBA Incorrect Personal Information Account Number : Employers : NOT PROVIDED Violations of FCRA XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX As per FCRA and FACTA, credit reporting agencies are obligated to ensure the accuracy and privacy of personal information, as well as adhere to proper procedures when handling credit inquiries. The above-listed discrepancies and incorrect personal information violate these laws. 



I request that you conduct a thorough investigation into these disputed items in accordance with FCRA, FACTA, FDCPA, TILA, RESPA, ECOA, and FCBA. If you find any of the information to be inaccurate, unverifiable, or in violation of the mentioned laws, I demand that you promptly remove them from my credit report. 



Additionally, I expect a written explanation of the actions taken to address these disputes within the 30-day period as prescribed by FCRA.

Failure to comply with the provisions of FCRA, FACTA, FDCPA, TILA, RESPA, ECOA, and FCBA may result in legal action to protect my rights as a consumer. I trust that you will address these concerns with the urgency and seriousness they deserve. 



Thank you for your prompt attention to 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