Consumer complaint received 2023-08-16
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 Via XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1975 SS # : XXXX I am writing to file a formal dispute regarding multiple violations of federal laws related to consumer rights and credit reporting practices. The violations outlined below have significantly impacted my financial well-being, causing undue stress and hardship. I kindly request your intervention to ensure that my rights are enforced and that appropriate corrective actions are taken. 

Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have been the source of multiple violations of federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( FACTA ). The violations encompass incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge offs listed as open accounts, and collection accounts with imposed limits.

This situation has not only undermined my financial standing but has also taken an emotional toll on my life. The stress and anxiety caused by these inaccuracies have affected my ability to secure favorable credit terms and have even hindered my job opportunities. For instance, I recently applied for a mortgage to provide stability for my growing family. However, the negative impact of these inaccuracies on my credit report led to the rejection of my mortgage application. This experience has left me feeling helpless and distraught, as I see my dreams slipping away due to circumstances beyond my control.

Therefore, I am earnestly seeking your assistance to ensure that my legal rights are upheld and that these violations are rectified promptly. I kindly request the following actions : Investigate the aforementioned creditors for their violations of federal laws and regulations. 
Enforce appropriate penalties and corrective measures to address the violations. 
Instruct the creditors to remove these unverified and inaccurate accounts from my credit report. 
Provide me with written confirmation of the actions taken in response to my dispute. 
I am grateful for your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently uphold the rights and well-being of consumers. Your intervention in this situation would bring much-needed relief to my family and me, allowing us to regain our financial footing and move forward with our goals. 

Thank you for your time and consideration. 

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