Consumer complaint received 2023-05-30
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:
I am writing to formally express my serious concern and dissatisfaction with the conduct of your company, which I believe is in direct contravention of numerous provisions under the Fair Credit Reporting Act ( FCRA ). The distress caused to me due to your company 's reporting of inaccurate, incomplete, and misleading information is substantial. This has not only impaired my reputation but has also created hurdles in my pursuit of personal and home credit, thereby adversely affecting my overall lifestyle. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), I DEMAND that within the requisite thirty ( 30 ) days, all items which can not be verified be duly DELETED and MODIFIED respectively from my credit report. 

Your company 's role in collating and assessing consumer credit is of critical importance, as stated in 15 U.S. Code 1681 ( a ) ( 3 ). By not abiding by the laws, you have negatively impacted the efficiency of the banking system and undermined the public trust it requires for seamless functioning. 

On XX/XX/XXXX, I delivered my first correspondence, in sight of a State Officer, which aimed to inform you of the accounts inaccurately reported on my consumer credit report. Despite my clear request for method certification and explicit refusal to consent to Metro 2 Compliance or any Automated Dispute System or Automated Reinvestigation System, there has been no response from your end after thirty days. This silence is concerning, particularly considering U.S. Code 15 1681i, which mandates prompt action to delete or modify the disputed information based on the results if an investigation is not completed within thirty days - a duty which you failed to uphold.

I further highlight my right to privacy, fairness, and impartiality, as prescribed in 15 U.S. Code 1681, which currently seems to be disregarded. My written instructions, as outlined in 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), appear to have been overlooked, adding to the grievances caused by your non-compliance with federal law.

Additionally, I would appreciate clarification about the course of the investigative process, if it was conducted, considering the provisions of 15 U.S. Code 1681a ( e ). As a consumer, I have the right to know who was contacted in the process of collecting information concerning my character, general reputation, and mode of living. 

In light of the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), I feel compelled to remind you that your company can be held accountable for willful non-compliance and any consequential damages. The repercussions of your actions are real, affecting my life significantly. 

Given the gravity of the situation, and being a litigious consumer, I assert that I will not refrain from pursuing legal action, if required, for any infringement on my right to privacy and for the circulation of false information on my consumer report. 

Juggling multiple roles in my personal life, including and ensuring the well-being of my family amidst a crippling economy, I find this added distress caused by your company 's inaccurate and negligent investigational procedures and reporting truly overwhelming. 

I urge you to take immediate action to rectify these inaccuracies, or I will have no choice but to seek legal redress for these violations of the FCRA, including 15 U.S. Code 1611, 15 U.S. Code 1681n, and 15 U.S. Code 1681o, and for personal damages inflicted upon my character. 

Let 's not be unambiguous here, you are clearly violating the Fair Credit Reporting Act, and if this continues I will not hesitate to proceed with litigation against you.

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