Consumer complaint received 2023-08-18
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 XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1995 To Whom It May Concern, I am writing to formally dispute the inaccurate and unverified information currently present on my credit report, as well as to request your intervention and enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The violations listed below have significantly impacted my financial standing and well-being.

Fair Credit Reporting Act ( FCRA ) Violations : Failure to provide accurate and verifiable information on the credit report.

Violation : FCRA Section 607 ( a ) ( 1 ) Reporting inaccurate information on the credit report.

Violation : FCRA Section 607 ( b ) Failure to update inaccurate information promptly.

Violation : FCRA Section 611 ( a ) ( 1 ) ( A ) Fair Debt Collection Practices Act ( FDCPA ) Implication : While the details I am providing do not directly involve debt collection practices, I believe that the Fair Debt Collection Practices Act ( FDCPA ) could potentially be applicable if any of the creditors engaged in improper debt collection methods. 

Privacy Laws Violation : Reporting incorrect personal information on the credit report. 

I must emphasize the profound impact that these violations have had on my life. The inaccuracies and unverified accounts on my credit report have resulted in unjust damage to my creditworthiness, restricting my access to essential financial opportunities. This has not only hindered my ability to secure loans and credit lines but has also undermined my efforts to provide for my family 's needs. 

To illustrate the personal and emotional toll these violations have taken, I would like to share a specific incident. As a result of the inaccuracies in my credit report, I was denied a mortgage application for a home that would have provided stability and security for my family. The disappointment and stress that followed have been overwhelming, as my family and I were left without the safe haven we had hoped for. This instance is just one of many that highlight the far-reaching consequences of the violations in question.

Below, I have listed the accounts, account numbers, and corresponding violations : XXXX XXXX XXXX - Account number : XXXX Violation : Failure to provide accurate and verifiable information on the credit report. 
XXXX XXXX - Account number : XXXX Violation : Reporting inaccurate information on the credit report. 
Violation : Failure to update inaccurate information promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Violation : Reporting incorrect personal information on the credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX - Account number : Address Violation : Reporting incorrect personal information on the credit report. 
XXXX XXXX XXXX - Account number : XXXX Violation : Failure to provide accurate and verifiable information on the credit report. 
XXXX XXXX - Account number : XXXX Violation : Reporting inaccurate information on the credit report. 
Violation : Failure to update inaccurate information promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Violation : Reporting incorrect personal information on the credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX - Account number : Address Violation : Reporting incorrect personal information on the credit report. 
I implore you to enforce the protections granted to consumers like me under the aforementioned laws. Specifically, I request that the creditors involved, namely XXXX XXXX XXXX and XXXX XXXX, be mandated to remove the unverified and inaccurate accounts from my credit report promptly. I am committed to upholding my responsibilities as a consumer and ensuring the accuracy and integrity of my credit profile. 

I kindly request your assistance in rectifying this distressing situation. Your intervention will not only provide me with a chance to rebuild my financial stability but will also reinforce the fundamental rights that safeguard consumers in our society. 

Thank you for your attention to this matter. I eagerly anticipate your prompt response and resolution. 

Sincerely, XXXX 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