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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute the presence of unverified accounts on my credit report, which are in violation of various laws and regulations. These accounts have not only impacted my financial standing but have also caused considerable emotional distress. I am seeking your assistance in enforcing the relevant legal provisions to address these violations. 

**Account Inaccuracies ( Various Issues ) : ** Upon meticulous review of my credit report, I have identified multiple instances of inaccurate reporting by several creditors, including but not limited to [ Creditor Names ]. These inaccuracies encompass incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion of accounts without proper notice, undated late payments, charge-offs erroneously listed as open, and the inclusion of collection accounts with incorrect limits. These discrepancies unequivocally violate the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e of the FCRA, which mandates the accurate reporting of credit information. Moreover, some accounts are falsely marked as being involved in litigation, indicating a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), found under Section 1692 of the FDCPA.

**Incorrect Personal Information : ** My credit report contains inaccurate personal information, notably related to my previous and current addresses. This mishandling of personal data contradicts the stipulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 1681c of the FCRA. The FCRA enforces the responsibility of credit reporting agencies to maintain precise and current consumer information. 

The consequences of these violations have been profound, permeating into various aspects of my life. As a [ describe your personal circumstances, e.g., diligent taxpayer, aspiring homeowner, responsible professional ], my financial reputation holds substantial significance. The inaccuracies and unauthorized inquiries on my credit report have led to unfortunate denials and limitations, hindering my ability to secure [ mention specific instances, e.g., housing, loans, employment opportunities ]. The emotional toll of these inaccuracies has been considerable, manifesting as anxiety and uncertainty about my financial future. 

In light of the outlined violations, I earnestly request your intervention to enforce the relevant legal provisions and rectify these issues promptly. Specifically, I implore the listed creditors to expeditiously remove the unverified accounts from my credit report : XXXX. [ Creditor Name : XXXX ] Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry under FCRA ( Section 1681b ) XXXX. [ Creditor Name : XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( Section 1681e ) and Potential FDCPA Violations ( Section 1692 ) XXXX. [ Creditor Name : XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( Section 1681e ) XXXX. [ Creditor Name : XXXX XXXX XXXX ] Account Number : [ Account Number ] Violations : Account Inaccuracies under FCRA ( Section 1681e ) XXXX. [ Creditor Name : XXXX XXXX XXXX Account Number : XXXX Violations : Account Inaccuracies under FCRA ( Section 1681e ) XXXX. [ Creditor Name : XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( Section 1681e ) XXXX. [ Creditor Name : XXXX XXXX XXXX ] Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry under FCRA ( Section 1681b ) XXXX. [ Creditor Name : XXXX XXXX XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( Section 1681e ) XXXX. [ Creditor Name : XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( Section 1681e ) XXXX. [ Creditor Name : XXXX XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( Section 1681e ) The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX  CA XXXX These errors have exacted a heavy toll on my financial stability and emotional well-being. I beseech you to take immediate action to rectify these violations and reinstate the integrity of my credit report. My genuine hope is that by addressing these issues, we can restore fairness, accuracy, and justice to my credit history. 

Thank you for your unwavering commitment to upholding consumer protection laws and ensuring equitable credit reporting practices. 

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