Consumer complaint received 2023-04-18
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 Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the inaccurate and incomplete information that has been reported by the following creditors on my credit report : [ insert names of creditors and account numbers ]. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by reporting incorrect information, specifically in regards to my name and address. 

My correct name is XXXX XXXX XXXX, but the credit bureaus have reported it as XXXX XXXX XXXX, XXXX XXXX XXXX. This inaccurate information has caused me significant distress and inconvenience, as it has resulted in me being denied credit and facing higher interest rates than I should have qualified for. This has also caused confusion in my personal and professional life, as it has led to errors in important documents and correspondence. 

In addition, my current address is XXXX XXXX XXXX XXXX XXXX, CA XXXX, but the credit bureaus have reported several other addresses that are not associated with me, including XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This has also caused confusion and inconvenience, as it has resulted in important mail and documents being sent to the wrong address and causing delays in receiving them. 

These violations of the FCRA have had a significant impact on my life, causing me emotional distress, financial hardship, and even affecting my personal and professional relationships. Therefore, I am requesting that you take appropriate action to enforce the legal requirements under the FCRA, specifically sections 1681e and 1681i, and require these creditors to remove the inaccurate and unverified accounts from my credit report. 

According to my report, there are several accounts that have been inaccurately reported by XXXX, Experian, and XXXX. 

Specifically, XXXX XXXX XXXX XXXX has reported a Last Verified date of XX/XX/XXXX, but Experian and XXXX have not XXXX anything. Additionally, XXXX has reported a Date of Last Activity of XX/XX/XXXX, but Experian has reported XX/XX/XXXX and XXXX has reported XX/XX/XXXX. Furthermore, XXXX has reported a Date Reported date of XX/XX/XXXX, while Experian has reported XX/XX/XXXX, and XXXX has reported XX/XX/XXXX. 

It is important to note that Experian and XXXX reported a Date Opened date of XX/XX/XXXX, while XXXX reported XX/XX/XXXX. Additionally, all three bureaus have reported that I was 90 days late on XX/XX/XXXX, despite the fact that I did not miss any payment on this account. 

These inaccuracies have had a severe impact on my life. Due to these incorrect reports, I have been denied credit, housing, and even employment opportunities. I have had to endure high interest rates and have been forced to pay unnecessary fees, all because of these inaccurate reports. 

I believe that these reports are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, XXXX, Experian, and XXXX have violated FCRA Section 1681e, which requires them to follow reasonable procedures to ensure the accuracy of the information in my credit report. They have also violated FCRA Section 1681i, which outlines the procedures for disputing inaccurate information on my credit report. 

Furthermore, XXXX, Experian, and XXXX have violated FCRA Section 1681s-XXXX, which outlines the duties of furnishers of information to consumer reporting agencies. Specifically, they have violated Subsection ( a ) ( 1 ) ( A ), which requires them to provide accurate information to the credit reporting agencies. 

The following creditors and account numbers have reported inaccurate information : XXXX XXXX XXXX According to XXXX, the last verified date is XX/XX/XXXX, but Experian and XXXX did not report anything. Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX, but Experian reported it as XX/XX/XXXX and XXXX as XX/XX/XXXX. All three bureaus are reporting that I was 90 days late on XX/XX/XXXX, but I did not miss any payments on this account. According to XXXX, the last payment date is XX/XX/XXXX, while Experian reported it as XX/XX/XXXX, and XXXX reported it as XX/XX/XXXX. 

This inaccurate information is in violation of the following FCRA sections : XXXX : FCRA Section 1681e - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section 1681i - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information Experian : FCRA Section 1681e - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section 1681i - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX : FCRA Section 1681e - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section 1681i - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information The inaccurate reporting of my credit history has had a significant impact on my life. I have been denied credit, employment, and housing opportunities due to this erroneous information. I have experienced emotional distress and financial hardship as a result of the negative impact on my credit score. 

Regarding my XXXX XXXX XXXX XXXX account ( account number : XXXX ), both XXXX and Experian have reported the payment status as " charge off. '' However, I have never received any notification or paperwork from them regarding this charge-off account. Furthermore, the reported dates of last activity and date opened by XXXX and Experian do not match up. These inaccuracies are in violation of Fair Credit Reporting Act ( FCRA ) Section 1681e - Compliance Procedures : Subsection ( b ) - Accuracy of report and FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies : Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information.

These errors have caused significant harm to me, as they have negatively impacted my credit score and limited my access to credit. I have been denied loans, credit cards, and even rental applications due to these inaccuracies. It has been an emotional burden, as it has affected my ability to provide for myself and my family.

Therefore, I am requesting that the creditors and their corresponding consumer reporting agencies remove these unverified accounts from my credit report. I also ask that the CFPB enforce the legal violations outlined above and hold these creditors and consumer reporting agencies accountable for their actions.

Thank you for your time and 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 explanation