Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: PA
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, Pennsylvania XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute several items on my credit report that I believe are in violation of 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 Fair Credit Billing Act ( FCBA ). I kindly request your immediate attention to these matters in accordance with the applicable laws and codes. 



Bankruptcy XXXX  XXXX - Discharged Case Number : XXXX According to the FCRA ( Section 611 ), I have the right to dispute any inaccurate information on my credit report. To the best of my knowledge, this bankruptcy does not belong to me, and it is damaging my creditworthiness. I demand that you remove it from my credit file without any further delay. 



XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX The FCRA ( Section 604 ) requires that you provide accurate and complete information in my credit report. I have no recollection of authorizing this inquiry, and it may potentially be fraudulent. In accordance with the FCRA, I insist that you promptly investigate this matter and remove the inquiry from my credit report. 



XXXX XXXX Date of Inquiry : XX/XX/XXXX The FCRA ( Section 604 ) grants me the right to dispute inaccurate or unauthorized inquiries on my credit report. As I do not remember authorizing this inquiry and suspect it might be fraudulent, I demand its immediate removal from my credit report. 



XXXX Date of Inquiry : XX/XX/XXXX The FCRA ( Section 604 ) ensures that my credit report contains only accurate and authorized information. I have no recollection of authorizing this inquiry and believe it could be fraudulent. Therefore, I request that you eliminate it from my credit report promptly. 



XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX The FCRA ( Section 604 ) entitles me to dispute any inaccurate or unauthorized inquiries. Since I have no memory of authorizing this inquiry, and it might be fraudulent, I demand that you delete it from my credit report immediately. 



DEPT OF ED/XXXX  Account Number : XXXX Under the FCRA ( Section 611 ), I have the right to dispute inaccurate information in my credit report. To the best of my knowledge, this account has never been paid late, and your reporting is completely inaccurate. In compliance with the FCRA, I request that you update this account with accurate information and remove the erroneous data promptly. 



[ Repeat this section for each instance of DEPT OF ED/XXXX ] DEPT OF ED/XXXX Account Number : XXXX Under the FCRA ( Section 611 ), I have the right to dispute inaccurate information in my credit report. To the best of my knowledge, this account has never been paid late, and your reporting is completely inaccurate. In compliance with the FCRA, I request that you update this account with accurate information and remove the erroneous data promptly. 



XXXX XXXX XXXX Account Number : XXXX The FCRA ( Section 611 ) allows me to dispute inaccurate account information. The details associated with this account are questionable, and it is my right under the FCRA to request clarification or deletion of this account from my credit report. 



[ Repeat this section for each instance of questionable accounts ] XXXX Account Number : XXXX The FCRA ( Section 611 ) grants me the right to dispute inaccurate account information. The details associated with this account are questionable, and it is my right under the FCRA to request clarification or deletion of this account from my credit report. 



The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX According to the FCRA ( Section 604 ), I have the right to dispute inaccurate inquiries on my credit report. I have no recollection of authorizing this credit pull and demand its immediate removal from my credit report. 



In accordance with the FCRA, I expect a timely response within 30 days of receipt of this letter. Please send me a written confirmation of the receipt of this dispute letter and an outline of the actions you intend to take. If any supporting documentation is required from me to assist with your investigation, please let me know, and I will provide it promptly. 



Failure to comply with the FCRA and other applicable laws may result in legal action. I trust that you will handle this dispute with the urgency, accuracy, and compliance required by law. 



Thank you for your cooperation and 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