Consumer complaint received 2023-07-22
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute certain items present in my credit report that I believe are inaccurate and in violation of various consumer protection laws, including 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 a thorough investigation of the following discrepancies, and I trust that your agency will uphold its responsibilities in accordance with these laws. 



XXXX XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry. Under the provisions of the FCRA 611, I have the right to dispute and request the removal of unauthorized inquiries from my credit report. I demand that this inquiry be promptly removed, as it might be fraudulent. 



XXXX XXXX XXXX Account Number : XXXX Pursuant to the FDCPA 809 ( b ), I dispute the validity of this account as I have no knowledge of any business association with XXXX XXXX XXXX. I demand that your agency conduct a comprehensive investigation to verify the legitimacy of this account. If it is found to be unauthorized or inaccurate, I request its immediate deletion from my credit report. 



XXXX Account Number : XXXX In accordance with the FCRA 605 ( a ), I have the right to dispute and request the removal of inaccurate information from my credit report. As I have no recollection of ever having an account with XXXX, I demand its immediate removal. 



Incorrect Personal Information - Address XXXX Account Number : [ If applicable ] XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX provides me with the right to dispute and request the correction of inaccurate personal information. This address is not correct, and I insist on its deletion from my credit report. 



Incorrect Personal Information - Address XXXX Account Number : [ If applicable ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Pursuant to the FCRA 605B, I dispute the accuracy of this address and demand its immediate removal from my credit report. 



Incorrect Personal Information - Employer 1 Account Number : [ If applicable ] XXXX XXXXXXXX XXXX Under the provisions of the FCRA 607 ( b ), I have the right to dispute and request the removal of inaccurate employment information from my credit report. This employer listed is incorrect, and I demand its deletion. 



Incorrect Personal Information - Employer 2 Account Number : [ If applicable ] XXXX XXXX XXXX As per the FCRA 607 ( b ), I dispute the accuracy of this employer information and request its immediate removal from my credit report. 



XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX FCRA 611 grants me the right to dispute and request the removal of unauthorized inquiries from my credit report. I do not recall authorizing this inquiry, and I request its immediate removal. 



EXPERIAN XXXX XXXX  Date of inquiry : XX/XX/XXXX As per the FCRA 611, I dispute the validity of this inquiry, as I have no memory of authorizing it. I demand its removal from my credit report without delay. 



XXXXXXXX XXXX XXXX  Account Number : XXXX Pursuant to the FCRA 609 ( a ), I have the right to request additional information regarding this account to verify its accuracy. If the provided information is not clarified to me, I demand its removal from my credit report. 



XXXXXXXX XXXX XXXX Account Number : XXXX In accordance with the FCRA 605 ( a ), I dispute the accuracy of this account as I can not recognize XXXX XXXX XXXX as a legitimate business associated with me. I request your agency to thoroughly investigate this matter and, if found to be unauthorized or inaccurate, remove it from my credit report. 



I kindly ask that you initiate a comprehensive investigation into the above-listed discrepancies as mandated by the FCRA and other relevant consumer protection laws. I expect that you will diligently correct any inaccuracies and promptly provide me with a written report detailing the results of the investigation and the actions taken to rectify the errors on my credit report.

Your timely response is crucial, and I request that all correspondence regarding this dispute be sent to my address mentioned above. 



Thank you for your attention to this matter and your compliance with the applicable laws and regulations. 





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