Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: AZ
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, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding several instances of potential violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), as well as potential violations of the Equal Credit Opportunity Act ( ECOA ). I am seeking your assistance in enforcing my legal rights in addressing these issues.

The violations in question involve unverified accounts that have appeared on my credit report, impacting my financial well-being and overall quality of life. These entries have caused significant emotional distress and inconvenience, and I am turning to the Consumer Financial Protection Bureau to ensure that my rights as a consumer are upheld.

Below are the details of the accounts in question, along with the relevant laws and sections that may have been violated : 1. XXXX XXXX XXXX XXXX Account number XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
- Potential Violations : FCRA ( Fair Credit Reporting Act ) - Relevant Sections : - Section 611 : Procedure in case of disputed accuracy.

- Section 623 : Responsibilities of furnishers of information to consumer reporting agencies.

2. XXXX : Account number XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
- Potential Violations : FCRA, ECOA ( Equal Credit Opportunity Act ) - Relevant Sections : - FCRA Section 611 : Procedure in case of disputed accuracy.

- ECOA Section 202 : Prohibition against discrimination.

3. XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
- Potential Violations : FCRA - Relevant Sections : - Section 604 : Permissible purposes of consumer reports.

- Section 607 : Compliance procedures.

4. XXXX XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
- Potential Violations : FCRA - Relevant Sections : - Section 623 : Responsibilities of furnishers of information to consumer reporting agencies.

5. XXXX : Account number XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
- Potential Violations : FCRA - Relevant Sections : - Section 611 : Procedure in case of disputed accuracy.

- Section 623 : Responsibilities of furnishers of information to consumer reporting agencies.

6. XXXX XXXX XXXX  | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
- Potential Violations : FCRA - Relevant Sections : - Section 604 : Permissible purposes of consumer reports.

- Section 607 : Compliance procedures.

These inaccuracies and unverified entries on my credit report have had a profound impact on my life. They have hindered my ability to secure favorable credit terms, obtain housing, and even impacted my employment opportunities. The emotional distress caused by the constant uncertainty and struggle to rectify these errors has taken a toll on my mental health and overall well-being.

I implore you to take my case seriously and enforce the legal protections that are in place to safeguard consumers like myself. I request that you investigate the validity of the aforementioned accounts, ensuring that my credit report accurately reflects my financial history. Moreover, I kindly ask that these unverified accounts be promptly removed from my credit report to alleviate the emotional and financial burdens they have caused.

Your intervention in this matter would not only provide me with the relief I so desperately need but also reinforce my trust in the consumer protection framework that is meant to ensure fair and accurate reporting.

I have attached supporting documentation, including copies of relevant credit reports and correspondence, to aid in your review of my case. I am available to provide any further information you may require.

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

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