Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, I am writing to dispute the inaccurate and unverified information that is being reported on my credit report by several creditors. I believe that these creditors have violated a number of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

One specific violation under FCRA is the inaccurate reporting of my addresses and other personal information. My current address is XXXX XXXX XXXX, XXXX, NJ XXXX, but the credit bureau has reported multiple other addresses that are not accurate, including XXXX XXXX XXXX, XXXX, DE XXXX and XXXX XXXX XXXX, XXXX, DE XXXX. This inaccurate information has caused confusion and difficulty in accessing credit, and is a clear violation of FCRA. 

In addition to the inaccurate reporting of addresses, I have also experienced other violations such as harassing and abusive debt collection practices by some of these creditors, including attempts to collect debts that are not owed and failure to provide required disclosures under the FDCPA. 

Furthermore, I have been denied access to my free annual credit report and the creditors have failed to properly handle identity theft claims under FACTA. TILA violations include the failure to provide required disclosures related to loans or credit card accounts, and RESPA violations include the failure to provide required disclosures related to mortgage loans or settlement procedures. In addition, I believe that I have been subject to discriminatory lending practices based on my race, gender, or other protected characteristics under ECOA. Finally, there have been instances of unauthorized charges and the failure to properly handle billing disputes under FCBA.

These violations have had a significant impact on my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report. It has been extremely difficult to correct these errors and I have suffered emotional distress and financial hardship as a result. I have been actively working to improve my credit score, but the inaccurate and unverified information on my credit report has made it nearly impossible.

Therefore, I am requesting that the creditors remove the unverified accounts from my credit report immediately. I also request that you take appropriate action to enforce the laws that have been violated by these creditors. 

Thank you for your 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