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, CA XXXX SSN : XXXX XXXX : XX/XX/1969 To Whom It May Concern, I am writing to file a formal dispute and seek enforcement of the legal protections provided under 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 ). The purpose of this communication is to address the numerous violations I have experienced in my interactions with several creditors, as well as to share a personal story that vividly highlights the distressing impact these violations have had on my life. 

As a diligent consumer, I have consistently upheld my financial responsibilities, making efforts to maintain a strong credit profile and fulfill my obligations to creditors. However, I am deeply troubled by the persistent misconduct exhibited by certain creditors, which has not only affected my financial well-being but also caused immense emotional distress. 

One particularly disheartening instance involves XXXX XXXX XXXX, also known as XXXX XXXX. This creditor, in various iterations, has repeatedly engaged in practices that violate consumer protection laws. The address variations associated with this creditor, including XXXX XXXX XXXX, XXXX, CA XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, have all been linked to unverified accounts that have appeared on my credit report. 

In addition, multiple accounts with account numbers such as XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, and others XXXX have been inaccurately reported, leading to discrepancies that unfairly damage my creditworthiness. The violation of FCRA provisions related to accurate credit reporting and the timely verification of information is evident in these instances. 

Furthermore, the lack of compliance with the FDCPA is apparent with regards to debt collection practices. The relentless pursuit of payments by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, along with the utilization of inconsistent account identifiers, is not only misleading but also breaches the spirit of fair debt collection. 

To underscore the distressing impact of these violations, allow me to share a personal story. As a result of these inaccurately reported accounts and the subsequent derogatory marks on my credit report, I encountered significant obstacles when attempting to secure a mortgage for a home purchase. Despite my responsible financial behavior, my creditworthiness had been tarnished, leading to higher interest rates and, in one case, outright denial of credit. This ordeal caused immeasurable stress, strained family relationships, and delayed my dream of providing a stable home for my loved ones. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau enforce the legal protections set forth by the aforementioned laws and take appropriate action against the creditors responsible for these violations. Specifically, I urge the removal of these unverified and inaccurately reported accounts from my credit report, along with the associated derogatory marks. It is my hope that my experience, coupled with the legal framework established to safeguard consumers, will result in a fair resolution that rectifies the damage caused by these violations. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution that upholds the principles of consumer protection. 

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