Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/2001 SS # : XXXX I am writing to file a formal dispute and to seek your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. I have encountered severe discrepancies and violations in my credit reports, which are seriously impacting my financial well-being and quality of life. 

XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX I have meticulously reviewed my credit reports and discovered that both XXXX  XXXX and XXXX have reported inaccurate information regarding the payment history of my accounts ( Account Numbers : XXXX and XXXX ). To the best of my knowledge, these accounts have never been paid late. The inaccurate reporting from these creditors is tarnishing my creditworthiness, making it exceedingly difficult for me to secure favorable financing terms for essential life needs. 

These inaccuracies have had a profound impact on my personal life. For instance, my dream of purchasing a home for my family has been delayed indefinitely due to the unfavorable credit terms I am now being offered. The emotional distress and constant worry caused by these incorrect credit reports have also taken a toll on my mental health. The hopelessness I feel when facing seemingly insurmountable obstacles created by these reporting errors is difficult to put into words. 

XXXX XXXX XXXX - Account Number : XXXX Furthermore, XXXX XXXX XXXX  ( Account Number : XXXX ) has failed to note that this account was in dispute within the stipulated XXXX period, thereby violating the provisions set forth in the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692e ( 8 ). This oversight on their part has caused further distress and frustration, as I expected my rights under the FDCPA to be upheld.

Additionally, I have noticed numerous unauthorized credit inquiries on my credit reports, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized inquiries have led to an invasion of my privacy and potential exposure to fraudulent activity, causing me significant anxiety. 

Given the aforementioned violations of FCRA, FDCPA, and other related laws, I kindly request your intervention to rectify these issues promptly. Specifically, I implore you to ensure that the following actions are taken : XXXX XXXX and XXXX must rectify their inaccurate reporting of payment history on accounts XXXX and XXXX, respectively. 
XXXX XXXX XXXX must amend their record to reflect that account XXXX was in dispute within the stipulated XXXX period, as required by the FDCPA. 
All unauthorized credit inquiries, as mentioned above, must be promptly removed from my credit reports to restore my privacy and protect me from potential identity theft. 
As I navigate these challenges, I want to stress the profound emotional toll these violations have taken on my life. The dream of providing stability and a secure future for my family seems increasingly distant due to circumstances beyond my control. The XXXX, frustration, and sleepless nights that I endure due to these errors are a constant reminder of the uphill battle I face. 

I kindly request your prompt attention to this matter and urge you to use your authority to ensure that creditors and credit reporting agencies comply with the law. Your intervention would not only bring me the relief I desperately seek but also help restore my faith in the financial system that should protect consumers like me. 

Thank you for your time and consideration. 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