Consumer complaint received 2023-08-18
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing this letter to formally dispute and bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my credit report. I kindly request your intervention and enforcement of my legal rights under the FCRA to rectify the inaccuracies that have been reported by various creditors on my credit report. 

The violations pertain to the following specific provisions of the FCRA : Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ) : These sections explicitly require credit reporting agencies to undertake a diligent investigation of disputed information and to ensure its accuracy. However, I have discovered inaccuracies and questionable entries on my credit report that remain unverified. 

Section 605B : This section mandates furnishers of information to perform reasonable investigations into disputed information. Regrettably, several creditors have not conducted adequate investigations into the contested information.

Unauthorized Credit Pulls : Numerous unauthorized credit inquiries have been made on my credit report, which could potentially breach consumer protection laws and regulations on both the federal and state levels. 

Inaccurate Reporting ( FCRA Section 607 ( a ) ) : The information reported by credit reporting agencies must be both accurate and complete according to this section. Unfortunately, several accounts are listed with incorrect payment history and other inaccurate data, which is detrimentally affecting my creditworthiness.

Personal Information Accuracy ( FCRA Section 607 ( b ) ) : FCRA obliges credit reporting agencies to furnish accurate consumer information, including personal addresses. However, I have found discrepancies in the reported address information.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : In accordance with Consumer Financial Protection Bureau ( CFPB ) regulations, the reporting of inaccurate or questionable information could potentially be considered unfair or deceptive. 

Below are the specific accounts and associated violations that I am disputing : XXXX XXXX : Account number : XXXX Violation : Failure to verify the account 's ownership and legitimacy upon request. ( FCRA Sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ) ) XXXX : Account number : XXXX Violation : Reporting inaccurate information regarding payment history. ( FCRA Section 607 ( a ) ) XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull reported without consent. ( Unauthorized Credit Pulls ) XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull reported without consent. ( Unauthorized Credit Pulls ) XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull reported without consent. ( Unauthorized Credit Pulls ) XXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXXXXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX  : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX : Account number : XXXX Violation : Reporting inaccurate information regarding payment history. ( FCRA Section 607 ( a ) ) XXXX XXXX XXXX XXXX XXXX CA XXXX : Account number : Address Violation : Reporting incorrect personal information ( address ). ( FCRA Section 607 ( b ) ) XXXX XXXX XXXX XXXX CA XXXX : Account number : Address Violation : Reporting incorrect personal information ( address ). ( FCRA Section 607 ( b ) ) XXXX XXXX : Account number : XXXX Violation : Failure to verify the account 's ownership and legitimacy upon request. ( FCRA Sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ) ) XXXX : Account number : XXXX Violation : Reporting inaccurate information regarding payment history. ( FCRA Section 607 ( a ) ) XXXX XXXX  : Account number : XXXX Violation : Failure to verify the account 's ownership and legitimacy upon request. ( FCRA Sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ) ) XXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXXXXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX : Account number : XXXX Violation : Failure to provide clear and accurate information about the account, leading to confusion. ( FCRA Section 607 ( a ) ) XXXX XXXX XXXX XXXX CA XXXX : Account number : Address Violation : Reporting incorrect personal information ( address ). ( FCRA Section 607 ( b ) ) These violations have significantly impacted my life. They have led to wrongful denial of credit applications, high interest rates on approved credit, and distress due to the tarnished credit reputation. For instance, I was recently denied a mortgage application due to the inaccurate negative entries on my credit report, a situation that has resulted in emotional turmoil and the delay of a lifelong dream to own a home. 

I implore you to take swift and decisive action to enforce my rights and address these violations. I am formally requesting that the creditors in question be instructed to : Conduct thorough investigations into the contested information as required by the FCRA. 
Remove any unverified or inaccurately reported accounts from my credit report. 
Rectify any unauthorized credit inquiries and take appropriate actions to prevent their recurrence. 
I kindly request your assistance in rectifying these issues and ensuring that my rights are upheld under the FCRA and other applicable laws. Your intervention will not only help me regain my financial stability but also serve as a testament to the importance of protecting consumers ' rights in the realm of credit reporting. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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