Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I am writing to file a dispute against XXXX XXXX XXXX XXXX XXXX. for multiple violations of the FCRA, RESPA, FDCPA, TILA, and FCBA.XXXX XXXX XXXX XXXXXXXX has violated several sections of the FCRA, including Section 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information reported, Section 609, which gives consumers the right to obtain a copy of their credit report and dispute any inaccurate information, and Section 611, which requires credit reporting agencies to investigate disputes and remove or correct any inaccurate information. 

Under RESPA, XXXX XXXX XXXX XXXXXXXX may have violated Sections 6, 8, and 10, which require borrowers to receive a good faith estimate of closing costs, prohibit kickbacks and referral fees, and require borrowers to receive a HUD-1 Settlement Statement at least one day before closing. 

XXXX XXXX XXXX XXXXXXXX may have also violated Sections 807 and 809 of the FDCPA, which prohibit debt collectors from using false, deceptive, or misleading practices to collect a debt, and require them to provide written validation of the debt within five days of initial contact. 

In addition, XXXX XXXX XXXX XXXXXXXX may have violated Sections 128, 129, and 130 of the TILA, which require lenders to disclose the APR and finance charge of a loan, the total amount of payments, the number of payments, and the due date of each payment, and provide borrowers with a right of rescission. 

Finally, XXXX XXXX XXXX XXXXXXXX may have violated Sections 1666 and 1667 of the FCBA, which require lenders to provide accurate billing statements, promptly credit payments, and investigate and respond to billing disputes within a reasonable time period. 

XXXX XXXX XXXX ( XXXX ) on my credit report. The credit reporting agencies, XXXX, XXXX, and Experian, have reported conflicting and inaccurate information regarding my account with XXXX XXXX XXXX. 

According to XXXX and XXXX, my account with XXXX XXXX XXXX is a revolving account, while Experian reported it as a credit card. Additionally, XXXX did not report the number of months, while Experian reported revolving, and XXXX reported monthly ( due every month ). 

Furthermore, XXXX and XXXX reported that my payment status was paid or paying as agreed, while Experian reported it as current but past due 30 days three times. The reported last reported date also varies, with XXXX and Experian reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX. In addition, XXXX reported the date last active as XX/XX/XXXX, but Experian reported XX/XX/XXXX, while XXXX reported XX/XX/XXXX. 

These inconsistencies and inaccuracies have negatively impacted my credit score and financial standing. As a result, I have been denied credit opportunities and subjected to higher interest rates, which has caused significant financial hardship for me and my family. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  may have violated the following sections : Section 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information reported ; Section 609, which grants consumers the right to obtain a copy of their credit report and dispute any inaccurate information ; and Section 611, which requires credit reporting agencies to investigate disputes and remove or correct any inaccurate information. 

In addition, under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX may have violated Section 807, which prohibits debt collectors from using false, deceptive, or misleading practices to collect a debt, and Section 809, which requires debt collectors to provide consumers with written validation of the debt within five days of initial contact. 

Furthermore, under the Equal Credit Opportunity Act ( ECOA ), XXXX XXXX XXXX may have violated Section 202, which prohibits discrimination based on race, color, religion, national origin, XXXX, marital status, or age, and Section 701, which requires that creditors provide consumers with written notice of adverse actions taken on their accounts. 

Lastly, under the Fair Credit Billing Act ( FCBA ), XXXX XXXX XXXX may have violated Section 1666, which requires that lenders provide borrowers with accurate billing statements and promptly credit payments, and Section 1667, which requires that lenders investigate and respond to billing disputes within a reasonable time period. 

I urge you to enforce these legal violations and take appropriate action against XXXX XXXX XXXX to ensure that my credit report is accurate and free of any inaccuracies. I also request that all unverified collection accounts related to XXXX XXXX XXXX be removed from my credit report. 

Thank you for your 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