Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information on Credit Report and Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute several items of incorrect information on my credit report and to bring to your attention the potential violations of consumer protection 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 the Fair Credit Billing Act ( FCBA ).

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX XX/XX/XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 8. The following personal information is incorrect Employers : XXXX XXXX 9. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

12. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 
13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

15. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

16. The following account is not mine XXXX XXXX - XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

17. The following account is not mine XXXX XXXX - XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

18. The following account is not mine XXXXXXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

19. The following account is not mine XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

20. XXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

21. The following account is not mine XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

22. The following account is not mine XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

23. The following account is not mine XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

24. The following account is not mine XXXX XXXX XXXX XXXX 
Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
25. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 26. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX 27. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MS XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XX/XX/XXXX 30. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX 31. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 32. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX In addition to the above disputes, I have identified potential violations of the following consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of personal information. 
Failure to conduct a reasonable investigation into the disputed information within the required time frame. 
Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized inquiries on my credit report. 
Failure to provide verification and validation of debts. 
Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) : Failure to properly handle and respond to disputes within the specified time frame.

Failure to notify all furnishers of disputed information.

Violations of the Truth in Lending Act ( TILA ) : Failure to provide accurate and complete disclosure of terms and conditions of loans or credit accounts.

Violations of the Real Estate Settlement Procedures Act ( RESPA ) : Failure to provide accurate and timely disclosure of settlement costs and other pertinent information.

Violations of the Equal Credit Opportunity Act ( ECOA ) : Discrimination based on protected characteristics in the extension of credit.

Violations of the Fair Credit Billing Act ( FCBA ) : Failure to investigate and correct billing errors within the specified time frame.

I kindly request that you thoroughly investigate and address each disputed item and alleged violation within 30 days, as required by the FCRA. Additionally, please provide me with a detailed response outlining the actions taken to rectify the disputed information and address the potential violations.

Enclosed with this letter, please find supporting documentation, including copies of the credit report highlighting the disputed items, relevant correspondence, and any other pertinent information.

As a consumer protected by federal and state laws, I expect full compliance with the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. Failure to comply may result in legal action to protect my rights and seek appropriate remedies.

Please note that this letter is not intended as an exhaustive list of all potential violations. I reserve the right to bring forward additional violations and disputes as I continue to review my credit report and related documentation.

I kindly request written confirmation of the receipt of this letter and the initiation of the investigation into the disputed items and alleged violations.

Thank you for your immediate attention to this matter. I trust that you will handle this dispute and the alleged violations with the utmost professionalism and in compliance with all applicable laws. 

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 explanation