Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the inaccurate information on my credit report. My name, XXXX XXXX XXXX, has been incorrectly reported as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX by the credit reporting agencies. Additionally, there are multiple incorrect addresses listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 

The inaccurate reporting of my name and addresses has had a severe impact on my life. I have been denied credit, employment, and even housing due to the false information on my credit report. I have had to explain to potential employers and landlords why my credit report contains incorrect information, causing unnecessary stress and embarrassment. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX and XXXX. The credit reporting agencies have failed to maintain reasonable procedures to ensure the accuracy of the information contained in my consumer report and have failed to investigate and correct inaccuracies in a reasonable time. 

Furthermore, the inaccurate reporting of my addresses and failure to truncate credit card and social security numbers in consumer reports also violate the XXXX and Accurate Credit Transactions Act ( FACTA ) section XXXX ( g ). 

The following inquiries have been made without my authorization or consent : 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  XX/XX/XXXX I have carefully reviewed my credit report and found that these inquiries were made without my knowledge or permission. As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), these inquiries must have a permissible purpose, and I have not authorized any of these entities to access my credit report.

These unauthorized inquiries have significantly impacted my credit score and have made it difficult for me to obtain credit when I need it. This has caused me a great deal of emotional and financial distress. It has been very challenging for me to manage my finances and maintain a good credit standing because of these unauthorized inquiries.

I am requesting that the credit reporting agencies investigate these inquiries and remove them from my credit report as they are not permissible under FCRA and FACTA. Additionally, I would like to request the name of the entity that made the inquiry, the date of the inquiry, and the permissible purpose for the inquiry as required by FACTA section 313.

I urge you to take swift action to enforce the legal requirements set forth in FCRA and FACTA to protect consumers from unauthorized inquiries that can negatively impact their credit standing. Please let me know the outcome of your investigation and the steps taken to resolve this matter. 

XXXX XXXX According to all three credit bureaus, I was 120 days late on XX/XX/XXXX, but I have not missed any payments on this account. Furthermore, there are discrepancies in the dates and information listed on my credit report across the three major credit bureaus, which may indicate inaccuracies or inconsistencies that violate sections of the FCRA. 

As a result of these inaccuracies, my credit score has been negatively impacted, which has caused significant stress and hardship in my life. I have been denied credit and have been unable to secure a loan to buy a car or a home. This has prevented me from achieving my financial goals and has caused immense emotional distress for me and my family. 

I believe that XXXX has provided inaccurate information to the credit bureaus, and that the bureaus have failed to follow reasonable procedures to ensure the accuracy of the information. Therefore, I am requesting that XXXX remove any negative marks on my credit report that were a result of the inaccurate reporting. 

XXXX XXXX XXXX account number XXXX. According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, despite not missing any payments on this account. Moreover, there are discrepancies in the dates and information listed on my credit report across the three major credit bureaus.

This inaccurate reporting has had a significant impact on my life. Due to the negative mark on my credit report, I have been denied credit, faced higher interest rates on loans, and had difficulty securing housing. As someone who has always been financially responsible, this has been devastating for me.

Based on the information provided, there may be potential violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of inaccurate information by XXXX XXXX XXXX to the credit bureaus. Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX XXXX XXXX XXXX XXXX 

Additionally, FCRA section 623 requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years. 

According to all three major credit bureaus, I was 30 days late on my XXXX account on XX/XX/XXXX. However, I have never missed any payments on this account. The discrepancies in the dates and information listed on my credit report across the three major credit bureaus have caused a lot of distress in my life.

In particular, the inaccurate information has affected my ability to obtain loans and credit, and has caused me a great deal of emotional stress. I have worked hard to maintain a good credit score, but the false negative mark on my credit report has made it difficult for me to achieve my financial goals. 

Based on the potential violations of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide me with the results of your investigation. Specifically, XXXX may have provided inaccurate information to the consumer reporting agencies, and the agencies may have failed to follow reasonable procedures to ensure the accuracy of the information.

Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX  ). 

In addition, FCRA section XXXX requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years. 

According to all three major credit bureaus, I was 30 days late on my XXXX account on XX/XX/XXXX. However, I have never missed any payments on this account. The discrepancies in the dates and information listed on my credit report across the three major credit bureaus have caused a lot of distress in my life.

In particular, the inaccurate information has affected my ability to obtain loans and credit, and has caused me a great deal of emotional stress. I have worked hard to maintain a good credit score, but the false negative mark on my credit report has made it difficult for me to achieve my financial goals. 

Based on the potential violations of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide me with the results of your investigation. Specifically, XXXX may have provided inaccurate information to the consumer reporting agencies, and the agencies may have failed to follow reasonable procedures to ensure the accuracy of the information.

Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX ). 

In addition, FCRA section 623 requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years. 

XXXX, XXXX and the consumer reporting agencies, Experian XXXX XXXX XXXX and XXXX XXXX may have violated sections of the Fair Credit Reporting Act ( FCRA ).

As per FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. However, the information on my credit report regarding the Date of Last Activity, Date Reported, Date Opened, and Last Payment date is inconsistent and inaccurate.

Additionally, as per FCRA section 611, I have the right to dispute any inaccurate or incomplete information with both the consumer reporting agency and the information provider. Therefore, I request that XXXX review their records and verify the accuracy of the information they provided to the consumer reporting agencies. 

Furthermore, FCRA section 623 requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. The discrepancies in the dates reported by Experian, XXXX, and XXXX may indicate a failure on the part of the consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information. 

XXXX XXXX account. I have noticed discrepancies in the information provided by XXXX and XXXX, which has negatively impacted my credit score and affected my ability to secure loans and other financial opportunities. 

According to XXXX and XXXX, I was 90 days late on XX/XX/XXXX, but I have not missed any payments on this account. Additionally, there are inconsistencies in the dates reported by XXXX and XXXX regarding the Date of Last Activity, Date Reported, Date Opened, and Last Payment date. 

These discrepancies have caused me undue stress and anxiety, as I have been working hard to maintain a good credit score to achieve my financial goals. My family and I have been struggling financially due to the XXXX pandemic, and the inaccuracies in my credit report have made it difficult for us to secure loans and other financial assistance when we needed it the most. 

I urge you to enforce the legal requirements under FCRA section 607, which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports, FCRA section 611, which grants consumers the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider, and FCRA section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. 

XXXX  XXXX on my credit report. Specifically, I am concerned about the inaccuracies in the Date of Last Activity, Date Reported, and Date Opened that have been reported by Experian, XXXX, and XXXX. 

According to Experian and XXXX, the Date of Last Activity for my account is XX/XX/XXXX, but XXXX is reporting it as XX/XX/XXXX. Additionally, Experian and XXXX have reported the Date Reported as XX/XX/XXXX, while XXXX is reporting it as XX/XX/XXXX. Moreover, Experian and XXXX have reported the Date Opened as XX/XX/XXXX, whereas XXXX is reporting it as XX/XX/XXXX. 

These discrepancies in the information being reported have had a significant negative impact on my credit score, making it difficult for me to secure loans or credit cards at reasonable rates. As a result, I have been unable to obtain financing for important purchases and have been forced to rely on high-interest loans, which has caused a great deal of financial strain. 

I am writing to request that XXXX remove this unverified account from my credit report, as it is having a detrimental effect on my financial well-being. I also want to emphasize that the inaccuracies in my credit report are in violation of FCRA section 607, which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports, and FCRA section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. 

XXXX XXXX account XXXX. The information being reported by XXXX, Experian, and XXXX is inconsistent, which suggests that there may be inaccurate information being reported. This could be a violation of the Fair Credit Reporting Act ( FCRA ) sections 607 and 623.

FCRA section 607 requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports. In this case, the inconsistencies in the dates reported by the consumer reporting agencies for my account with XXXX XXXX suggest that there may be inaccurate information being reported.

FCRA section 623 requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years. If there is inaccurate information being reported, the consumer has the right to dispute it with the consumer reporting agency and request that it be corrected or removed from their credit report. 

Specifically, the XXXX account XXXX is being reported with inconsistencies in the dates of last verified, date of last activity, date opened, and account status. 

These inconsistencies suggest that there may be inaccurate information being reported, which is a violation of FCRA section 607. Additionally, the inconsistent reporting of the account status may also be a violation of this section. I have been negatively impacted by these inaccuracies, as they have affected my creditworthiness and ability to secure loans and credit. 

I have attempted to resolve this issue with both XXXX and Experian, but have not received satisfactory results. As such, I am requesting that you enforce the legal requirements under FCRA section 623 and investigate this dispute. I also request that you require the creditor to remove these unverified accounts from my credit report. 

XXXX, account number XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) section 809, debt collectors are required to provide a written notice to consumers within five days of their initial communication that includes the amount of the debt, the name of the creditor, and a statement informing the consumer that they have 30 days to dispute the debt. However, I never received any such notice from XXXX, and they did not notify me when they sold my account to a collection agency. 

This lack of notification has caused me significant stress and anxiety. I have always been diligent about paying my bills on time, and it is devastating to discover that I have a collection account on my credit report that I was never aware of. This has greatly impacted my ability to obtain credit and has caused me to be denied for loans and credit cards. 

Furthermore, I have noticed that the account status is being reported as " open '' when it should be reported as " closed '' or " in collections. '' This may be a violation of the Fair Credit Reporting Act ( FCRA ) section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years. 

I request that XXXX remove this unverified account from my credit report immediately, as it is inaccurate and causing harm to my creditworthiness. I also request that the collection agency be investigated for their failure to provide me with a written notice as required by the FDCPA. 

Thank you for your attention to this matter. 

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