Consumer complaint received 2023-03-01
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report : XXXX University XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX XXXX I believe that the accounts listed above contain errors that violate several federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

First, regarding the XXXX University account, I have reason to believe that this account has been reported in error. According to the FCRA, creditors are required to report accurate information to credit bureaus. In this case, the account has been reported with an incorrect account number. This is a clear violation of the FCRA. 

Secondly, the XXXX XXXX account has been reported as a late payment account. However, I have evidence to suggest that the payment was made on time. According to the FDCPA, debt collectors are required to provide accurate information to credit bureaus. This inaccurate reporting is a violation of the FDCPA. 

Thirdly, the XXXX account has also been reported as a late payment account. However, I have not received any notification of late payment from the creditor. This is a violation of FACTA, which requires creditors to provide notice of late payments before reporting them to credit bureaus. 

Fourthly, the XXXX XXXX XXXX account has also been reported as a late payment account. However, I have not received any notice of late payment from the creditor. This is a violation of FACTA. 

Fifthly, the XXXX XXXX XXXX account has been charged off. However, I have not received any notice of the charge off from the creditor. This is a violation of TILA, which requires creditors to provide notice of charge offs. 

Sixthly, regarding the XXXX XXXX XXXX  charge off account, I have reason to believe that the amount listed is inaccurate. This is a violation of RESPA, which requires creditors to provide accurate information to consumers. 

Lastly, the two XXXX XXXX charge off accounts have also been reported with inaccurate information. This is a violation o

f FCBA, which requires creditors to provide accurate information to credit bureaus. I demand that these errors be corrected imm
ediately in accordance with federal law. I also demand that any negative impact on my XXXX XXXX be corrected and any associated fees and penalties be refunded. I appreciate your immediate attention to 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