Consumer complaint received 2023-07-27
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:
It has come to my attention that there are multiple collection accounts listed on my credit report, from various creditors, which I firmly believe are inaccurate and incomplete. I will provide the relevant details below : Creditor Name : XXXX  Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$860.00} Creditor Name XXXX XXXXXXXX XXXXXXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$2000.00} Creditor Name : XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX Amount : {$1800.00} The inaccuracies in the reported amounts and dates of first delinquency have left me feeling vulnerable and powerless. I have always been diligent in managing my credit and financial responsibilities, and I deserve accurate and fair reporting as outlined in the Fair Credit Reporting Act ( FCRA ). 

I initiated disputes with the credit reporting agency on XX/XX/XXXX, firmly believing that my concerns would be addressed promptly. However, to my disappointment and dismay, there has been no response or acknowledgment of my dispute. This blatant disregard for my consumer rights, as protected by FCRA Section 611 ( a ) ( 2 ), has added to the frustration I am experiencing. 

As of today 's date, XX/XX/XXXX, I have yet to receive any written results of the investigation. The inaccurate collection accounts still remain on my credit report, which directly violates my right under FCRA Section 611 ( a ) ( 3 ) to have inaccurate or unverifiable information corrected or removed within a reasonable time frame. 

Furthermore, my request for verification of the debts, as mandated by FDCPA Section 809 ( b ), has fallen on deaf ears. I have not received any response or verification from the original creditors, leaving me feeling disregarded and dismissed. 

Behind these collection accounts are not just numbers but a real person who strives to be financially responsible. The impact of these unjustified entries on my credit report goes beyond numbers ; it affects my ability to secure loans, housing, and employment opportunities. I feel my financial wellbeing and peace of mind are at stake. 

I am reaching out to the CFPB with this complaint, as I trust that you will take these violations seriously and conduct a thorough investigation into the accuracy and validity of these collection accounts. My hope is that you will intervene and ensure my rights as a consumer are upheld. 

Please communicate with me promptly, providing updates and information about the progress of the investigation. Your timely assistance will not only alleviate my concerns but also reaffirm my faith in the regulatory system that is in place to protect consumers like me. 

Thank you for your understanding, and I look forward to a resolution that restores the accuracy of my credit report and upholds the principles of fairness and consumer protection. 

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