Consumer complaint received 2023-07-22
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madame, I hope this letter finds you well. I am writing to address several significant inaccuracies in my credit report, which have come to my attention. These inaccuracies not only negatively impact my creditworthiness but also appear to be in violation of various 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 Fair Credit Billing Act ( FCBA ).

I have carefully reviewed my credit report and identified the following disputed accounts, along with their respective account numbers 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 Under the FCRA, I have the right to have accurate information on my credit report. It has come to my attention that several of the listed accounts show late payments, which is entirely inaccurate. I affirm that I have never been late on payments for any of these accounts, and your reporting is in direct violation of the FCRA.

Moreover, the inclusion of accounts with questionable names and numbers raises concerns about the accuracy and legitimacy of these entries. Pursuant to the FCRA and FACTA, it is your responsibility to ensure the information reported on my credit report is complete, accurate, and verifiable.

Additionally, I suspect that some of the accounts listed may be a result of identity theft or reporting errors, which would further violate the FCRA. As such, I insist on a thorough investigation into these discrepancies and immediate corrective action.

Furthermore, your reporting practices may also be subject to scrutiny under the FDCPA. Any attempt to collect on the disputed debts based on inaccurate credit reporting is a violation of the FDCPA, which protects consumers from deceptive and unfair debt collection practices.

I also request that you provide me with a detailed explanation of the sources of this information, as required by the FCRA. It is my right to know the sources from which you obtained this data and to ensure its accuracy.

In light of the potential violations of consumer protection laws, including the TILA, RESPA, ECOA, and FCBA, I urge you to conduct a comprehensive review of my credit report and take immediate steps to correct the inaccuracies. I trust that you will handle this matter with utmost seriousness and compliance with the law.

Enclosed with this letter are copies of supporting documents that validate my claims and assist in your investigation. Please provide me with a written update on the actions taken to address these issues within the legally mandated timeframe.

Thank you for your prompt attention to this matter. I expect a swift resolution, as required by the relevant consumer protection laws. 





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