Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: GA
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, Georgia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute certain inaccuracies on my credit report, which I believe may be in violation of several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



I recently obtained a copy of my credit report and noticed several questionable accounts and inquiries, which I believe are not only damaging to my creditworthiness but may also be in violation of my rights as a consumer. Below are the details of the disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Unrecognized As per the FCRA, I have the right to dispute any inaccurate or questionable information on my credit report. Furthermore, the FDCPA ensures that debt collectors are subject to certain rules and restrictions in their communication with consumers. The FACTA provides provisions to protect consumers from identity theft and inaccuracies in their credit reports. The TILA mandates lenders to disclose credit terms and costs to consumers. The RESPA sets guidelines for the mortgage servicing and settlement process. The ECOA prohibits discrimination in credit decisions based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. The FCBA protects consumers in cases of billing errors and unauthorized credit card charges. 

I believe that the presence of the disputed accounts and inquiries on my credit report is not only questionable but may potentially constitute violations of these laws. Therefore, I request that you conduct a thorough investigation into the validity of these entries, ensuring that they comply with all applicable consumer protection statutes. 

If any violations are found during your investigation, I expect that appropriate actions will be taken to rectify the situation and comply with the relevant laws. This includes the immediate removal of any inaccurate information from my credit report, as well as providing me with a written explanation of the actions taken to address these violations. 

I also want to stress the importance of maintaining accurate and fair credit reporting, as it directly impacts my financial well-being and future credit opportunities. I trust that you will handle this matter with the utmost seriousness and urgency. 

Kindly acknowledge receipt of this dispute letter and provide me with updates on your investigation. Additionally, I request that you furnish an updated credit report to me and any relevant parties who have received my credit information within the past six months, should any errors be corrected as a result of this investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your adherence to the consumer protection laws outlined above. Please feel free to contact me at the provided phone number or email address if you require any further information. 



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