Consumer complaint received 2023-08-11
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 XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1998 SS # : XXXX I hope this letter finds you well. I am writing to address a deeply concerning matter that has recently come to my attention, pertaining to the violation of my rights as a consumer under various consumer protection laws. The violations concern accounts associated with XXXX, as well as inaccuracies in my personal information within my credit report. 

I am profoundly troubled by the disregard for consumer protection laws that have been demonstrated in my interactions with your organization. As a consumer, I trust that my rights under the law will be upheld and that fair and transparent practices will be followed. Unfortunately, recent events have shaken this trust. 

The Fair Credit Reporting Act ( FCRA ), a cornerstone of consumer protection, explicitly outlines the procedures that must be followed in case of disputed accuracy. The violations I have identified include : Failure to provide accurate and clear account information, in violation of FCRA Section 611 ( a ) ( 1 ) ( A ).

Account : XXXX Account Number : XXXX The accounts name and number have been called into question. It is imperative that you either provide me with clear clarification of this information or promptly delete this account from my credit report. 
Failure to provide accurate personal information, a direct violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 

Inaccurate Name : XXXX, XXXX, XXXX, XXXX, XXXX This inaccurate representation of my name is not only misleading but also tarnishes my credit history. I insist that you take immediate action to remove this misinformation from my report. 
Furthermore, my personal life has been deeply affected by these violations. Allow me to share a personal story that encapsulates the emotional toll this has taken on me. Last year, as I embarked on the journey of purchasing my first home, I encountered numerous challenges due to the inaccurate information on my credit report. The discrepancies caused delays in the mortgage approval process, leading to missed opportunities and heightened stress during an already demanding time. The dream of a home for my family was overshadowed by the frustrations caused by these avoidable errors. 

In light of these violations and the emotional distress they have caused me, I am left with no choice but to demand immediate action. I urge you to investigate these matters thoroughly and rectify the violations in accordance with the law. Specifically, I demand that you take the following actions : Investigate and rectify the questionable account information associated with XXXX  ( Account Number : XXXX ) in compliance with FCRA Section 611 ( a ) ( 1 ) ( A ). 
Remove the inaccurate name ( XXXX, XXXX, XXXX, XXXX, XXXX ) from my credit report, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

I kindly request that you provide me with a detailed plan of action outlining the steps you will take to rectify these violations and restore my rights as a consumer. Given the gravity of these issues, I expect a response within [ reasonable timeframe, e.g., 30 days ] from the receipt of this letter. Failure to respond and take appropriate action will leave me with no alternative but to explore legal remedies available to me.

I implore you to reconsider the impact of your actions on the lives of consumers. Upholding the principles of fairness and transparency is not only a legal obligation but a moral responsibility. I trust that you will take swift action to rectify these violations and ensure that others do not have to endure the emotional distress I have faced.

Thank you for your immediate attention to this matter. I look forward to receiving your response and resolution plan at your earliest convenience. 

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