Consumer complaint received 2023-08-19
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. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a series of concerning violations of the Fair Credit Reporting Act ( FCRA ) by the following creditors : XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX These creditors have potentially violated the Fair Credit Reporting Act as outlined below : FCRA Section 611 ( a ) ( 1 ) ( A ) - Investigation of Disputed Information : Violation : Failure to properly investigate disputed information.

This section requires creditors to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report.

FCRA Section 611 ( a ) ( 2 ) ( A ) - Time Limit for Reinvestigation : Violation : Failure to complete reinvestigation in a timely manner.

Creditors are required to complete their reinvestigation of disputed information within 30 days from receiving notice of the dispute.

FCRA Section 611 ( a ) ( 5 ) ( A ) - Notification of Results of Reinvestigation : Violation : Failure to provide results of reinvestigation to the consumer.

Creditors must provide written notice of the results of the reinvestigation to the consumer within five days of completing the investigation.

FCRA Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies : Violation : Reporting inaccurate or unverified information.

Creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) and to correct inaccurate information.

FCRA Section 604 ( a ) ( 3 ) ( F ) - Permissible Purpose of Consumer Reports : Violation : Unauthorized credit inquiries.

A creditor must have a permissible purpose, such as with the consumer 's consent, to request a consumer report. 
I would like to share my personal experience in connection with these violations. The inaccurate and unverified information reported by these creditors has caused significant distress in my life. This situation has not only affected my ability to access credit and financial opportunities, but it has also caused emotional turmoil and stress. The erroneous information has made it difficult for me to secure housing, obtain reasonable interest rates, and even pursue certain job opportunities. These constant challenges have left me feeling helpless and XXXX about my financial future. 

I implore you to enforce the legal protections afforded by the FCRA. I kindly request that the aforementioned creditors promptly investigate these matters, rectify any inaccuracies, and remove these unverified accounts from my credit report. The emotional toll that these violations have taken on my life can not be overstated, and I believe that the proper resolution of these issues is crucial to restoring my financial well-being and peace of mind. 

Thank you for your attention to this matter. I am hopeful that your intervention will lead to a fair and just resolution, helping me regain control over my financial future. 

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