Consumer complaint received 2023-08-18
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, CA XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to formally dispute and seek resolution for multiple violations that have adversely affected my credit report. The violations pertain to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), unauthorized credit inquiries, Consumer Financial Protection Bureau ( CFPB ) regulations, and potential identity theft laws. I urgently request your intervention to enforce my legal rights and rectify the issues at hand. 

The following are the creditors, associated account numbers, and specific violations, along with references to the relevant codes, sections, and subsets of the laws that were violated : XXXX XXXX : Account number : XXXX Violations : Inaccurate reporting of payment history ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) Inclusion of incorrect personal information ( FCRA Section 611 ( a ) ( 1 ) ( B ) ) XXXX XXXX : Account number : XXXX Violations : Inaccurate reporting of payment history ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) Failure to verify questionable account information ( FDCPA Section 809 ( b ) ) XXXX XXXX : Account number : XXXX Violations : Inclusion of unrecognized accounts without proper investigation ( FDCPA Section 809 ( b ) ) XXXX : Account number : XXXX Violations : Inclusion of incorrect personal information ( FCRA Section 611 ( a ) ( 1 ) ( B ) ) Failure to verify questionable account information ( FDCPA Section 809 ( b ) ) XXXX XXXX XXXX : Account number : XXXX Violations : Inaccurate reporting of payment history ( FCRA Section 623 ( a ) ( 1 ) ( A ) ) Failure to verify questionable account information ( FDCPA Section 809 ( b ) ) XXXX XXXX : Account number : XXXX Violations : Inclusion of unrecognized accounts without proper investigation ( FDCPA Section 809 ( b ) ) XXXX XXXX : Account number : XXXX Violations : Inclusion of incorrect personal information ( FCRA Section 611 ( a ) ( 1 ) ( B ) ) Failure to verify questionable account information ( FDCPA Section 809 ( b ) ) XXXX XXXX : Account number : XXXX Violations : Inclusion of unrecognized accounts without proper investigation ( FDCPA Section 809 ( b ) ) XXXX XX/XX/XXXX : Account number : XXXX Violations : Unauthorized credit pull ( FCRA Section 604 ) XXXX : Account number : XXXX Violations : Inclusion of incorrect personal information ( FCRA Section 611 ( a ) ( 1 ) ( B ) ) Failure to verify questionable account information ( FDCPA Section 809 ( b ) ) XXXX XXXX XXXX XXXX CA XXXX : Account number : Address Violations : Inclusion of incorrect personal address information XXXX XXXX  XXXX | XX/XX/XXXX : Account number : XXXX Violations : Unauthorized credit pull ( FCRA Section 604 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Account number : Address Violations : I am aware that various CFPB regulations are in place to address concerns related to credit reporting and debt collection. However, it appears that the creditors have not adhered to these regulations, further exacerbating the situation. 

Moreover, I fear that my case may involve identity theft or fraudulent accounts, potentially falling under the purview of identity theft laws. While I am not a legal expert, the inclusion of unrecognizable accounts raises these concerns, which is why I am seeking your assistance and intervention. 

I implore you to take action to rectify these injustices. I kindly request your assistance in ensuring that the creditors remove the unverified accounts from my credit report, and that my credit history is restored to its accurate and rightful state. 

Thank you for your attention to this matter. I eagerly await your response and hope for a swift resolution that will alleviate the burdens I have endured due to these violations. 

Sincerely, XXXX 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