Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: PA
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, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Disputing Incorrect Personal Information and Unauthorized Inquiries - Compliance with FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention some discrepancies and unauthorized inquiries on my credit reports, as obtained from XXXX, Experian, and XXXX. I kindly request your immediate attention to these matters in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

XXXX : The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( listed as XX/XX/XXXX ) Bankruptcy : Discharged XXXX Case Number : XXXX Experian : Bankruptcy XXXX  XXXX Case Number : XXXX The inquiry was not authorized : XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : The inquiry was not authorized : XXXXXXXX XXXX Date of XXXX : XX/XX/XXXX The inquiry was not authorized : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As per the FCRA, I am exercising my right to request a reinvestigation of these items. I kindly request that you thoroughly investigate these matters and provide me with a detailed explanation of the results within the statutory time frame of 30 days. 

In accordance with the FDCPA, I expect that all debt collectors adhere to fair practices, and I request that you ensure compliance in this matter. 

Under FACTACT, I am entitled to accurate and up-to-date credit information. Therefore, I request that you promptly correct any inaccuracies found on my credit reports, in compliance with this act. 

The TILA safeguards my rights as a consumer in credit transactions, ensuring transparency and accurate disclosure of credit terms. It is crucial that my credit reports reflect accurate information in accordance with this act. 

Furthermore, I urge you to uphold the provisions of RESPA, which protects consumers in real estate transactions. Please ensure that my credit reports are free from any unauthorized inquiries, as outlined in the mentioned acts. 

As an advocate for fair lending practices, I emphasize the importance of compliance with the ECOA. It prohibits discrimination based on protected characteristics and ensures equal access to credit. Please ensure that my credit reports reflect fair and unbiased treatment.

Lastly, in accordance with the FCBA, I kindly request that you promptly rectify any unauthorized inquiries and inaccurate information on my credit reports, in line with fair billing practices. 

I appreciate your prompt attention to this matter and your commitment to upholding the aforementioned laws and codes. Please provide a written confirmation of the changes made to my credit reports after the reinvestigation is complete, along with any supporting documentation. 

Thank you for your cooperation and assistance in resolving these issues. I look forward to a prompt resolution. 

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