Consumer complaint received 2023-08-15
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, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute the presence of certain accounts on my credit report and to bring to your attention a series of potential violations of federal laws. I kindly request your assistance in addressing these concerns to ensure that my rights as a consumer are fully upheld and enforced. This matter pertains to the following laws : FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 

As a diligent and responsible consumer, I have observed the following discrepancies in my credit report, which I believe infringe upon my rights as outlined in the aforementioned laws : Unverified Account from XXXX XXXX, Account Number : XXXX Unverified Account from XXXX, XXXX : XX/XX/XXXX Unverified Account from XXXX  Date : XX/XX/XXXX Unverified Account from XXXX, Account Number XXXX XXXX Unverified Account from XXXX Date : XX/XX/XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Account Number : XXXX Unverified Account from XXXX XXXX, Account Number : XXXX Unverified Account from XXXX, Account Number : XXXX Unverified Account from XXXX XXXX Account Number : XXXX Unverified Account from XXXX XXXX, Account Number : XXXX Unverified Account from XXXX XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX Account Number : XXXX Unverified Account from XXXX XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Account Number : XXXX Unverified Account XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Account Number : XXXX Unverified Account from XXXX, Account Number : XXXX Unverified Account from XXXXXXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX, Account Number : XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX, Account Number : XXXX Unverified Account from XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX XXXX, Date : XX/XX/XXXX Unverified Account from XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Unverified Account from XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Upon careful review of these accounts , I have identified potential violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which stipulates the obligation of credit reporting agencies to promptly investigate disputed information. Additionally, these accounts may raise concerns related to the accurate reporting of information, adherence to verification procedures, and the fair and ethical treatment of consumers under various provisions of the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA.

I am compelled to share a deeply personal story to emphasize the emotional toll these inaccuracies have taken on my life. In [ briefly describe the situation or hardship ], these erroneous entries on my credit report have [ describe the impact on your life, emotions, and specific instances of distress or difficulty ]. This experience has left me feeling overwhelmed and powerless, struggling to secure financial opportunities and a stable future for myself and my loved ones.

In light of the potential violations of federal laws and the significant impact these inaccuracies have had on my life, I kindly request the Consumer Financial Protection Bureau 's intervention to ensure the enforcement of my legal rights as a consumer. Specifically, I urge the creditors mentioned above to conduct thorough and timely investigations to verify the accuracy of the reported information, in accordance with FCRA guidelines. I kindly ask that these unverified accounts be removed from my credit report to alleviate the undue burden they have placed on my financial well-being.

I am grateful for your attention to this matter and trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights. I kindly request regular updates on the progress of this dispute and resolution process. 

Thank you for your understanding and assistance in 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