Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: AZ
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, AZ XXXX SSN : XXXX DOB : XX/XX/1971 To Whom It May Concern, I am writing to formally dispute the accuracy of certain information on my credit report, as well as to assert my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered discrepancies in the information being reported, and I kindly request your immediate attention to this matter.

I believe that certain accounts listed on my credit report are inaccurate and potentially unverified. I wish to emphasize that the reported information is having a profound impact on my life. To provide you with a better understanding of the significance of this issue, I would like to share a personal story that illustrates the emotional toll these inaccuracies are taking.

[ Share a Personal Story - Be sure to provide specific and emotional details that highlight the negative effects these inaccuracies have had on your life. Describe how it has impacted your ability to secure housing, obtain credit, find employment, or engage in other important life activities. The more vivid and heartfelt your story, the better. ] The implications of these inaccuracies are not limited to mere numbers on a credit report. They have seeped into every aspect of my life, causing untold stress and hardship. The thought of being unfairly penalized due to incorrect information is overwhelming, and it has led to sleepless nights and constant anxiety.

In light of the circumstances, I urge you to enforce the legal protections afforded to consumers under the FCRA. Specifically, I am requesting the following actions : Investigate the accuracy and legitimacy of the accounts associated with the following details : XXXX XXXX - Account number : XXXX Issue : Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.

Potential Violations : Under the FCRA ( Fair Credit Reporting Act ) : Section 611 ( a ) ( 1 ) ( A ) : This section states that consumers have the right to dispute inaccurate information on their credit report.

Section 611 ( a ) ( 5 ) ( A ) : This section states that the credit reporting agency must promptly investigate the dispute and delete the information if it can not be verified.

Section 605B : This section addresses the responsibilities of furnishers of information ( creditors ) to ensure the accuracy and integrity of the information they provide to credit reporting agencies. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX - Account number : Address Issue : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.

Potential Violations : Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) : Consumers have the right to dispute and request correction of inaccurate personal information, including addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - Account number : Address Issue : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
Potential Violations : Under the FCRA : Section XXXX ( a ) ( XXXX ) ( A ) : Consumers have the right to dispute and request correction of inaccurate personal information, including addresses. 

I understand that your organization plays a crucial role in ensuring the fairness and accuracy of credit reporting, and I trust that you will give this matter the attention it deserves. I appreciate your prompt resolution of this dispute and your assistance in alleviating the burdens I have been facing due to these inaccuracies. 

Please provide me with written confirmation of your actions as well as any updates on the progress of this dispute. You may contact me at [ Email Address ] or [ Phone Number ] to discuss any necessary steps or to obtain additional information. 

Thank you for your understanding and cooperation. I look forward to a positive resolution of 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