Consumer complaint received 2023-08-11
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, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute certain violations of the Fair Credit Reporting Act ( FCRA ) by the creditors listed below. These violations have adversely impacted my credit history and financial well-being, and I kindly request your intervention to ensure that the legal provisions outlined below are enforced. 

XXXX XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, negatively impacting my credit. 
Legal Violation : FCRA Section 623 ( a ) ( 2 ) XXXX | XX/XX/XXXX - Account Number : XXXX Violation : Unauthorized credit pull without my consent. 
Legal Violation : FCRA Section 604 XXXX  XXXX - Account Number : XXXX Violation : Inaccurate reporting of payment history, negatively impacting my credit. 
Legal Violation : FCRA Section 623 ( a ) ( 2 ) XXXX | XX/XX/XXXX - Account Number : N/A Violation : Unauthorized credit pull without my consent. 
Legal Violation : FCRA Section 604 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX - Account Number : Address Violation : Incorrect personal information ( address ) reported. 
Legal Violation : FCRA Section 607 ( b ) XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX - Account Number : Address Violation : Incorrect personal information ( address ) reported. 
Legal Violation : FCRA Section 607 ( b ) These violations have caused significant distress in my life. For instance, the inaccuracies in my credit report have hindered my ability to secure favorable interest rates on loans, jeopardizing my financial stability. As a direct result of these violations, I faced a heartbreaking situation recently. 

I was in the process of purchasing my first home, an achievement I had been working towards for years. The culmination of savings and sacrifices was on the brink of fruition. However, due to the incorrect information on my credit report, I was denied a mortgage loan that I had been pre-approved for, based on inaccurate credit scores. The emotional toll was immeasurable my dreams dashed, and the stability of my family compromised. 

I implore the Consumer Financial Protection Bureau to enforce the provisions of the FCRA and request that the following actions be taken : Conduct a thorough investigation into the violations committed by the aforementioned creditors. 
Ensure that these creditors provide accurate and updated information to the credit reporting agencies. 
Facilitate the removal of unverified and inaccurate accounts from my credit report, in accordance with FCRA regulations. 
I understand the importance of accurate credit reporting and its impact on consumers ' lives. Your intervention is crucial in rectifying these violations and alleviating the hardships I have endured due to these inaccuracies. 

I sincerely thank you for your attention to this matter and appreciate your dedication to upholding consumer rights. I eagerly await your response and resolution of these pressing concerns. 

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