Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report, which I obtained from your credit bureau XXXX Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACT ACT ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ), I have the right to request an investigation into any inaccuracies that may be adversely affecting my creditworthiness. 



Upon reviewing my credit report, I have identified several questionable and potentially incorrect items that require immediate attention : XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries have been made without my recollection or authorization, and their presence on my credit report is adversely impacting my creditworthiness, as protected by FCRA and FACT ACT XXXX 



Furthermore, I have identified several accounts with inaccurate information that may be in violation of the FCRA, ECOA, and FCBA XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX. 

Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX CARD Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

Account Number : XXXX Incorrect Personal Information : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX XX/XX/XXXX These inaccuracies not only violate FCRA but also implicate the ECOA 's provisions against discriminatory credit practices and the FCBA 's requirements for accurate billing and reporting.

Under the provisions of FCRA, I am requesting a thorough investigation into the disputed items and any potential violations of FDCPA, TILA, RESPA, and FACT ACT that may have contributed to these inaccuracies. 



I expect your credit bureau to conduct a proper investigation within 30 days, as mandated by FCRA, and provide me with written results of your findings. If any information is found to be inaccurate, incomplete, or unverifiable, I request that you correct or delete it from my credit report accordingly. Furthermore, please provide me with an updated copy of my credit report once the necessary corrections have been made. 



I would also like to assert my rights under the FCBA to receive a written response within 30 days, acknowledging receipt of this dispute letter and detailing the actions taken to investigate and rectify the inaccuracies.

Please note that I take this matter seriously, as my financial well-being and future opportunities are at stake. Failure to comply with the aforementioned laws and regulations may lead to legal action on my part to protect my rights. 



Thank you for your prompt attention to this matter. I look forward to a comprehensive and satisfactory resolution of these issues. 



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