Consumer complaint received 2023-05-04
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 Date of Birth : XX/XX/1990 SS # : XXXX I am writing to dispute the inaccurate information that has been reported on my credit report by the following credit reporting agencies : [ List the names of the credit reporting agencies ]. I have found multiple instances of incorrect name and address information on my credit reports, and I believe that the credit reporting agencies have violated several laws in doing so. Specifically, the following violations may have occurred : Fair Credit Reporting Act ( FCRA ) : The credit reporting agencies have failed to maintain accurate information about me by reporting my name incorrectly as XXXX XXXX or XXXX XXXX XXXX instead of my correct name, XXXX XXXX XXXX. This violates Sections 607, 609, 610, 611, and 623 of the FCRA. Fair and Accurate Credit Transactions Act ( FACTA ) : The credit reporting agencies have violated Sections 611, 612, 613, 614, and 615 of the FACTA by reporting multiple incorrect addresses for me, which has caused confusion and inaccuracies in my credit report. Truth in Lending Act ( TILA ) : While this law may not be directly relevant to my case, I believe that I may be entitled to additional protections under the TILA if I have been the victim of identity theft. According to XXXX XXXX XXXX my credit reports from XXXX and Experian, there are inconsistencies in the dates reported by the creditors. For example, the last verified date, the last activity date, the date reported, and the date opened were all reported differently by XXXX and Experian for the same account. This discrepancy in information is a clear violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies report accurate information. Additionally, the creditors failed to notify me that they were reporting inaccurate information, which violates Section 623 ( a ) ( 2 ) of the FCRA. I disputed the inaccurate information with the creditors, but they did not inform the credit bureaus of the dispute or provide any necessary corrections. The creditors also violated Section 807 ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ) by using false, deceptive, or misleading representations in connection with the collection of debt. By reporting inaccurate information about my account, the creditors misled me and potential lenders about my creditworthiness. Furthermore, the creditors violated the Truth in Lending Act ( TILA ) by reporting inaccurate information about my payment history. The TILA requires that creditors report accurate information about consumers ' payment history to credit reporting agencies. XXXX XXXX XXXX XXXX to XXXX. According to XXXX, I was 30 days late on a payment on XX/XX/XXXX, but I have never missed a payment on this account. This inaccurate reporting has had a significant impact on my credit score, causing me to be denied credit and leading to higher interest rates and fees. The creditor 's misreporting of my payment status is a violation of the Truth in Lending Act ( TILA ), which requires that creditors report accurate information about consumers ' payment history to credit reporting agencies. Additionally, their failure to provide any paperwork is a violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires that the consumer reporting agency must notify the consumer of the fact that the information has been disputed by the consumer. This situation has caused me a great deal of stress and frustration. The false information has prevented me from getting the credit I need to finance a new car, which I desperately need for my job. I have been forced to rely on public transportation, which is unreliable and often delays my arrival to work. This has caused me to be reprimanded by my boss and has put my job in jeopardy. I urge you to take action to enforce the laws that have been violated and ensure that creditors like XXXX XXXX XXXX XXXX are held accountable for their actions. I request that the creditor remove this unverified account from my credit report immediately. XXXX XXXX XXXXXXXX, account number XXXX. According to all three credit bureaus, I am 30, 90, and 120 days late on payments, but I have not missed any payments on this account. Furthermore, the dates and balances being reported are inconsistent among the three credit bureaus, causing confusion and harm to my credit score. The inaccurate reporting by XXXX XXXX XXXXXXXX may be a violation of Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 1 ) ( C ) of the Fair Credit Reporting Act ( FCRA ), which require that consumer reporting agencies report accurate and complete information. Additionally, if XXXX XXXX XXXX is a debt collector, their attempt to collect an incorrect amount may be a violation of Section 807 ( 2 ) ( A ) of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX. According to all three credit bureaus, I was late on my payments for this account, but I have not missed any payments. In addition, there are inconsistencies in the reporting of the account type, date of last activity, balance owed, and payment status among the three credit bureaus. I believe that these inconsistencies and inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the creditors ' reporting of inaccurate information to all three credit bureaus may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires that consumer reporting agencies report accurate information. Additionally, the inconsistent reporting of dates and balances among the three credit bureaus may also be a violation of Section 623 ( a ) ( 1 ) ( C ) of the FCRA, which requires that consumer reporting agencies report complete and accurate information. Furthermore, it is possible that the creditor 's reporting of differing payment statuses among the three credit bureaus may be a violation of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, which requires that consumer reporting agencies report the " date of delinquency '' for an account, which is the date on which the account first became delinquent and was not brought current. If the creditor is reporting different payment statuses for the same time period, it could be seen as inconsistent reporting of the date of delinquency. XXXX XXXX XXXX XXXX regarding my account. According to Experian, the account type is listed as a collection account, and I have never received any paperwork or notification that my account has been sold to a collection agency. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ). Section 623 ( a ) ( 2 ) of the FCRA requires that all credit reporting agencies report accurate information about a consumer 's credit history. Additionally, under Section 623 ( a ) ( 3 ), the creditor has a duty to provide notice of any delinquencies or collection activities to the consumer, and their failure to do so is also a violation of the FCRA. Furthermore, as a consumer, I have the right to be informed of any debt collection attempts made by the creditor or any collection agency. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 11 ), a debt collector must provide written notice within 5 days of the initial communication to the consumer, informing them of the amount of the debt, the name of the creditor, and that the consumer has the right to dispute the debt. However, I have not received any such notice from XXXX XXXX XXXX or any collection agency they may have sold my account to. This inaccurate and incomplete reporting has had a significant impact on my life. As a result of this reporting, my credit score has been negatively affected, making it difficult for me to obtain credit or loans. This has caused a great deal of stress and anxiety in my life, as I have had to turn down opportunities due to my damaged credit. I request that XXXX XXXX XXXX  remove this unverified account from my credit report, as it is not accurate and is in violation of both the FCRA and the FDCPA. I also request that they provide me with written notice of any delinquencies or collection activities, as required by law. 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