Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: FL
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 XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to submit a formal dispute regarding several violations of federal laws that have significantly impacted my financial well-being and creditworthiness. I request your assistance in enforcing my legal rights under the relevant statutes to rectify the following violations : XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized credit inquiry under the Fair and Accurate Credit Transactions Act ( FACTACT ).

Relevant Law : Fair and Accurate Credit Transactions Act ( FACTACT ) Relevant Section : Section 604 - Permissible Purposes of Consumer Reports Relevant Subsection : Section 604 ( a ) ( 3 ) ( B ) - Permissible Purpose for Furnishing Consumer Reports XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized credit inquiry under the Fair and Accurate Credit Transactions Act ( FACTACT ). 



Relevant Law : Fair and Accurate Credit Transactions Act ( FACTACT ) Relevant Section : Section 604 - Permissible Purposes of Consumer Reports Relevant Subsection : Section 604 ( a ) ( 3 ) ( B ) - Permissible Purpose for Furnishing Consumer Reports XXXX XXXX XXXX Account Number : XXXX  Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This is the wrong creditor for this item XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute Experian is reporting payment history on the collection/charge-off account. I never had any financial obligation with this company. 

XXXX XXXX  Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This account is not reported consistently on all three credit bureaus. Only Experian and XXXX report this account. I don't own this account. I never received any pertinent paperwork informing me of this debt. 

XXXX XXXX XXXX Account Number : XXXX Violation : Incomplete or inconsistent reporting under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( 1 ) - Reporting Information with Maximum Possible Accuracy Experian and XXXX are reporting payment history on the collection/charge-off account. I never had any financial obligation with this company. 

XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This collection account doesn't belong to me. Please delete it from my credit report or inform me how you have verified this account. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of account ownership under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Violation : Inaccurate reporting of personal information under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( 2 ) - Duty to Correct and Update Information The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Inaccurate reporting of personal information under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( 2 ) - Duty to Correct and Update Information SERVICED BY XXXX Account Number : XXXX Violation : Inaccurate reporting of account ownership under the Fair Credit Reporting Act ( FCRA ). 



Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute These violations have had a profound and distressing impact on my life. The inaccurate and unverified information on my credit report has unfairly tarnished my financial reputation and has hindered my ability to secure loans, rent housing, and access necessary services. It has caused immense stress, XXXX, and hardship for me and my family, affecting our well-being and future prospects. 



As you review my case, I urge you to enforce the legal protections afforded to me under the relevant laws. I kindly request that the creditors promptly investigate and verify the accuracy of the disputed accounts. I further demand the removal of any unverified and inaccurate information from my credit report to restore my creditworthiness and alleviate the unjust burden imposed upon me. 



I have attached supporting documentation and evidence to substantiate my claims. Please find enclosed copies of credit reports, correspondence with creditors, and any other relevant materials that can aid in resolving these violations. 



I am truly grateful for your attention to this matter and look forward to a fair and just resolution. Your support in upholding the laws designed to protect consumers like me is vital, and I trust that you will take appropriate action to address these violations. 



Please feel free to contact me via the provided contact information if you require any additional details or clarifications. 



Thank you for your understanding and cooperation. 



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