Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: NJ
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:
These errors have had a huge influence on my life, notably my ability to obtain a loan to purchase a home. Despite my ongoing attempts to repay my obligations, erroneous and inconsistent reports have made it difficult for me to demonstrate my creditworthiness to lenders. This has caused me a lot of worry and anxiety since I haven't been able to offer a secure home for my children. 
I am writing to dispute the accuracy of my credit report, which has been provided by XXXX, Experian, and XXXX. The report contains several violations of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. These inaccuracies have had a significant negative impact on my life, and I am requesting that they be removed from my credit report immediately. 

The following are the violations that I have identified in my credit report : XXXX XXXX : The credit reporting agencies reported different dates of account opening, high credit balances, and credit limits. This is a violation of FCRA. Violation of FCRA Section 607 by several creditors who have reported different dates of account opening, high credit balances, and credit limits to XXXX, Experian, and XXXX. 

XXXX XXXX XXXXXXXX : Violation of FCBA Section 1666 by several creditors who have failed to promptly correct billing errors. 

XXXXXXXX XXXX XXXXXXXX : XXXX did not report the account opening information, high credit balances, and credit limit. This is a violation of FCRA. Violation of FCRA Section 611 by XXXX who did not report the account opening information, high credit balances, and credit limit for XXXX XXXX. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX : XXXX reported a different account type and date opened compared to Experian and XXXX XXXX This is a violation of FCRA. Violation of FCRA Section 623 by XXXX who reported a different account type and date opened compared to Experian and XXXX for XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX XXXXXXXX **** : XXXX did not report the credit card information, credit limit, and last active date. This is a violation of FCRA. Violation of FCRA Section 616 by several creditors who have willfully failed to comply with the FCRA. 

XXXX XXXXXXXX : XXXX did not report the date opened, payment status, and last reported date. This is a violation of FCRA. Violation of FDCPA Section 807 by several debt collectors who have made false or misleading representations regarding my debt. 

XXXX XXXX XXXXXXXX : XXXX did not report the high credit balances, date opened, and last active date. This is a violation of FCRA. Violation of FDCPA Section 808 by several debt collectors who have engaged in unfair practices in attempting to collect my debt. 

XXXX XXXX : XXXX did not report the account type - detail information. This is a violation of FCRA. 

XXXX XXXX XXXX : Experian reported an incorrect account type. This is a violation of FCRA. Violation of FDCPA Section 809 by several debt collectors who have failed to properly validate my debt. 

The inaccuracies in my credit report have caused me great distress and hardship. As a result of these inaccuracies, I have been denied credit, insurance, and employment opportunities. I have also been subjected to harassment and humiliation by debt collectors, who have contacted me about debts that I do not owe. 

I urge you to enforce the legal requirements of FCRA, and ensure that the credit reporting agencies comply with their obligations to provide accurate and complete credit reports. I also request that the unverified collection accounts be removed from my credit report immediately. 

Thank you for your attention to 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 non-monetary relief