Consumer complaint received 2023-08-17
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 XXXX, California XXXX Date of Birth : XX/XX/1992 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a series of egregious violations that have significantly impacted my financial well-being and personal life. The violations pertain to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 

XXXX. XXXX XXXX - Account Number : XXXX Violation : Disputed item appearing on credit report without evidence. 
Under the Fair Credit Reporting Act ( FCRA ) - 15 USC 1681, a disputed item may not lawfully appear on my credit report without proper evidence to support its accuracy. This has left an unjust stain on my credit history, hindering my ability to secure favorable financial opportunities and adversely affecting my overall quality of life. 

XXXX. XXXX XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
The account from XXXX XXXX XXXX is being inaccurately reported as having late payments or past due amounts. This is a direct violation of the FCRA - 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which demand accuracy in credit reporting. The erroneous reporting has resulted in unwarranted distress and has impeded my efforts to rebuild my financial standing. 

XXXX. XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Similar to the previous violation, the account from XXXX XXXX is inaccurately reported as having late payments or past due amounts. This contravenes the FCRA - 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ), causing further harm to my credit profile and perpetuating my financial struggles. 

XXXX. XXXX XXXX - Account Number : XXXX Violation : Misleading false reporting, potentially violating FDCPA Section 807.

Under the Fair Debt Collection Practices Act ( FDCPA ) - Section 807, misleading and false reporting is strictly prohibited. The misleading representation in relation to the XXXX XXXX account has not only subjected me to unnecessary emotional distress but has also exacerbated my already challenging financial circumstances. 

Personal Hardships : The cumulative impact of these violations has been nothing short of devastating. The compromised credit report has shattered my aspirations of securing loans at reasonable rates, obtaining suitable housing for my family, and even pursuing educational opportunities. The emotional toll is immeasurable, as I have had to witness my family 's dreams slip further out of reach due to circumstances beyond our control. 

I implore the Consumer Financial Protection Bureau to enforce the legal rights and protections afforded to consumers under the FCRA and FDCPA. Furthermore, I kindly request that you investigate these violations with a sense of urgency and ensure that the relevant creditors remove these unverified and inaccurate accounts from my credit report. Doing so would alleviate a substantial portion of the burdens that have weighed heavily on me and my loved ones. 

Thank you for your attention to this matter. I eagerly await a response and resolution that will help restore my financial dignity and provide hope for a brighter future. 

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