Consumer complaint received 2023-07-28
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. (TX)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to address several discrepancies and inaccuracies that I have discovered in my credit report, which may be in violation of various consumer protection laws. After a thorough review, I have identified several unauthorized inquiries and incorrect information that are negatively affecting the accuracy of my credit profile, potentially infringing upon my rights under the following laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681g, 1681i, 1681j Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq.

Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S.C. 2601 et seq.

Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq.

Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 et seq. 

I kindly request your immediate attention to these matters to ensure compliance with the applicable laws. Below are the specific issues I have identified : Unauthorized Inquiries : I have noticed several unauthorized inquiries that were not consistently reported across all three credit bureaus, which may be in violation of the FCRA and FACTA. The unauthorized inquiries, along with their respective details, are as follows : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Incorrect Account Information : Additionally, there are certain accounts with incorrect information, specifically regarding the date of last payment, potentially violating the FCRA and FCBA. The affected accounts and their corresponding details are as follows : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Incorrect Personal Information : Lastly, there are certain inaccuracies in my personal information that I would like to bring to your attention, possibly contravening the FCRA and ECOA. The erroneous details are as follows : 3.1 Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX I request that you promptly investigate these discrepancies and correct the inaccurate information on my credit report in accordance with the laws mentioned above. The incorrect data and unauthorized inquiries may be infringing upon my rights and adversely affecting my financial standing and opportunities. I would appreciate your urgent attention to this matter and a written confirmation of the resolution. 



Please keep me informed of the progress and actions taken to rectify these issues. I understand that the FCRA requires you to investigate and respond within 30 days of receiving a dispute. Therefore, I kindly request that you act promptly to address these concerns and provide me with an updated credit report once the corrections have been made. 



Thank you for your attention to this matter. Should you require any additional information or documentation, please feel free to contact me at XXXX or XXXX. 



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