Consumer complaint received 2023-07-25
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, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and request an investigation into the inaccuracies and unauthorized credit inquiries listed on my credit report, as protected by several laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ).

I recently obtained a copy of my credit report from your bureau and have identified several discrepancies that are in violation of the above-mentioned laws. The following items require your immediate attention and correction : Unauthorized Credit Inquiries : XXXXXXXX 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 XXXXXXXX Under FCRA, I have not authorized any of these credit inquiries, and I demand their immediate removal from my credit report. 



Inaccurate Account Information : XXXXXXXX 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 As per FACTA, TILA, RESPA, ECOA, and FCBA, I confirm that these accounts have never been paid late, and I dispute the accuracy of your reporting. I demand an immediate update to the account information and the removal of any inaccurate data that adversely affects my credit history. 



Incorrect Personal Information : Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Employers : SELF EMPLOYED Under FCRA, I request that you review and correct this incorrect personal information to ensure that my identity is accurately represented on my credit report. 



As outlined by the FDCPA, I expect you to conduct a reasonable investigation into these matters within 30 days and provide me with written confirmation of the actions taken to address these disputes. 



Failure to comply with the provisions of these laws may result in legal action, as I am well aware of my rights as a consumer under the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 



I am prepared to provide any additional information or documentation necessary to facilitate your investigation. You can reach me at [ Your Phone Number ] or [ Your Email Address ] should you require any further details. 



Thank you for your immediate attention to this matter. I trust that you will handle this dispute in accordance with the applicable laws and promptly provide me with the results of your investigation. 



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