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 XXXX : XX/XX/1975 Subject : Formal Dispute Regarding Violations of Fair Credit Reporting Act ( FCRA ) Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute several violations of the Fair Credit Reporting Act ( FCRA ) by multiple creditors, as detailed in the accounts listed above. I kindly request your intervention to enforce my legal rights and rectify the substantial damage caused by these inaccuracies to my financial well-being. I implore the Consumer Financial Protection Bureau to investigate these violations and take appropriate action to ensure justice is served.

Inaccurate Reporting of Payment History ( Sections 623 ( a ) ( 2 ) and 623 ( b ) of the FCRA ) : It has come to my attention that multiple creditors, including XXXX and XXXX XXXX, have inaccurately reported late payment history for accounts associated with me. The incorrect reporting is devastating to my credit profile, causing unnecessary financial distress and severely limiting my access to credit. These inaccuracies have the potential to impact my future endeavors, such as securing a mortgage or obtaining favorable interest rates on loans.

Failure to Verify Account Ownership ( Section 611 ( a ) ( 1 ) of the FCRA ) : Several creditors, including RISE, have failed to adequately verify the ownership of accounts that they have reported on my credit. This oversight has resulted in the inclusion of unverified accounts on my credit report, casting doubt on the accuracy and integrity of the information being reported. I stress that these unverified accounts not only tarnish my creditworthiness but also hinder my ability to achieve financial stability.

Inclusion of Incorrect Personal Information ( Section 607 ( b ) of the FCRA ) : The inclusion of incorrect personal information, such as the invalid address associated with Account Number XXXX XXXX XXXX XXXX XXXX CA XXXX, is an egregious violation of the FCRA. This misinformation not only distorts my credit profile but also compromises my privacy and security. I am deeply concerned about the potential ramifications of such inaccuracies, both personally and financially. 

I implore you to consider the emotional toll these violations have taken on my life. The constant fear of being unfairly judged based on incorrect credit information has led to countless sleepless nights and an overwhelming sense of powerlessness. The emotional distress caused by the knowledge that these inaccuracies might dictate my financial future is indescribable.

To remedy these grave violations and the emotional turmoil they have inflicted, I urge you to take the following actions : Conduct a thorough investigation into each of the aforementioned violations by the creditors in question.

Enforce the provisions of the FCRA to ensure accurate reporting of payment history, verification of account ownership, and inclusion of correct personal information.

Request that the creditors promptly remove the unverified accounts from my credit report to rectify the damage that has been done to my creditworthiness and overall financial well-being.

In closing, I humbly request that the Consumer Financial Protection Bureau use its authority to ensure that my rights under the FCRA are upheld. The impact of these violations on my life can not be overstated, and I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify this situation and provide me with the relief I so desperately need.

Thank you for your attention to this matter. I eagerly anticipate your investigation and resolution of these violations. 

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