Consumer complaint received 2023-08-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1975 SS # : XXXX To Whom It May Concern, I am writing to bring to your attention a matter of utmost importance that pertains to serious violations of the Fair Credit Reporting Act ( FCRA ) by multiple creditors. These violations have had profound implications on my financial well-being and emotional state. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to seek enforcement of my legal rights and to request assistance in rectifying this distressing situation. 

Background : I have recently discovered multiple instances of blatant violations of the Fair Credit Reporting Act by various creditors. The violations, as detailed below, have adversely affected my creditworthiness and caused me substantial distress : Incorrect Reporting of Account Information : The following creditors have engaged in inaccurate reporting by providing an incorrect high balance, an inaccurate date of last activity, reaging accounts, reinsertion without proper notice, an undated late payment, charging off accounts while reporting them as open, and listing collection accounts with limits : XXXX  XXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8  ) XXXX  XXXX  Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 ) XXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 ) XXXX  Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 ) XXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 ) XXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 ) XXXX  XXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 XXXX XXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 ) XXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 ) XXXX XXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8 ) XXXX XXXXXXXX Account Number : XXXX FCRA Sections Violated : 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( a ) ( 7 ), 623 ( a ) ( 8  ) Inaccurate Personal Information : Additionally, incorrect previous addresses have been reported PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX, PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX, violating FCRA Section 607 ( b ). 

Enforcement of Legal Rights : In light of these numerous and serious violations of the FCRA, I implore the Consumer Financial Protection Bureau to exercise its authority to ensure that my legal rights are upheld. I respectfully request your intervention in rectifying these violations promptly. 

Resolution Request : I kindly ask that the Consumer Financial Protection Bureau take immediate action to enforce the FCRA and request the removal of the unverified and inaccurate accounts listed above from my credit report. 

In conclusion, I am hopeful that the Consumer Financial Protection Bureau will take my case seriously and act in accordance with its mandate to protect consumers from such harmful violations. I have attached supporting documentation that substantiates my claims and underscores the need for swift corrective measures. 

Thank you for your attention to this matter. I am eager to work together to find a resolution and restore the accuracy and fairness of my credit report. 

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