Consumer complaint received 2023-04-18 00:00:00
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.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute inaccurate information being reported on my credit report. I am XXXX XXXX, but credit bureaus are reporting my name as XXXX XXXX. This error has caused significant harm to my credit score and financial well-being. 

Additionally, the bureaus are reporting incorrect addresses that are not associated with me. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, but the bureaus have listed several other addresses that I have never lived at. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ).

Under FCRA, credit reporting agencies are required to maintain accurate information and investigate any inaccuracies brought to their attention by the consumer. However, the bureaus have failed to comply with these requirements. Specifically, they violated sections 1681e ( b ) and 1681i ( a ) of FCRA and section 312 ( b ) ( 1 ) and 312 ( c ) ( 1 ) of FACTA.

Moreover, the incorrect information on my credit report could potentially lead to discrimination against me in credit decisions, which is a violation of the Equal Credit Opportunity Act ( ECOA ). The bureaus have reported incorrect name and address information that could be used to discriminate against me. This is a violation of sections 1691 ( a ), 1691 ( b ), and 1691 ( d ) ( 1 ) of ECOA.

Specifically, I am disputing the information reported by XXXX XXXX XXXXXXXX, XXXX XXXX, US Department of Education, and XXXX. 

XXXX XXXX XXXX ( Account # XXXX ) has reported inaccurate payment status on my credit report. According to Experian, the payment status is listed as charge off, but I have never received any notification regarding this charge off account, nor have they provided any paperwork to me. Additionally, the other two bureaus have not reported any negative information on my account. While Experian reports that I was 90 days late, I have not missed any payments on this account. 

XXXX XXXX ( Account # XXXX ) has also reported inaccurate payment status on my credit report. According to XXXX, I was 30 days late on XX/XX/XXXX, but I did not miss any payments on this account. I have not received any notification from them regarding this late payment status account, nor have they provided any paperwork to me. Additionally, the other two bureaus have not reported any negative information on my account. 

US Department of Education ( Account # XXXX ) has reported inaccurate payment status on my credit report. According to XXXX, the payment status is listed as charge off, but I have never received any notification regarding this charge off account, nor have they provided any paperwork to me. Additionally, the other two bureaus have not reported any negative information on my account. 

XXXX ( Account # XXXX ) has also reported inaccurate payment status on my credit report. According to Experian, I was 30 and 60 days late, but I did not miss any payments on this account.

These inaccuracies have had a profound effect on my life. As a result of these errors, I have been denied credit, housing, and employment opportunities. It has been an emotional and financial burden to bear, and I am requesting that these unverified accounts be removed from my credit report.

I am also bringing to your attention the violations of the Fair Credit Reporting Act ( FCRA ) committed by these creditors. They have violated several sections of the FCRA, including failure to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports ( Section 1681e ( b ) ), failure to investigate and correct any inaccuracies or incomplete information in a consumer 's credit report ( Section 1681i ( a ) ), and failure to provide accurate information to credit reporting agencies and to correct any inaccuracies upon notice from the credit reporting agency ( Section 1681s-2 ( a ) ).
specifically, Sections 604 and 607. I believe that the following credit inquiries were made without my consent or without a permissible purpose : 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 XXXXXXXX XXXX XX/XX/XXXX These inquiries may also be in violation of the Fair Debt Collection Practices Act ( FDCPA ) if they were made by a debt collector using false or misleading representations, harassing or abusive tactics, or unfair practices in attempting to collect a debt. 

Additionally, I dispute the credit inquiries made by XXXX XXXX XXXX and XXXX of XXXX XXXX XXXX XX/XX/XXXX, as credit inquiries can only be made on past or current dates. I also dispute the credit inquiry made by XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX, as they may be in violation of the FCRA if made without my consent or without a permissible purpose.

Under Section 604 of the FCRA, credit inquiries must be made only with permissible purpose and with the consumer 's consent. Under Section 607, consumer reporting agencies ( CRAs ) must maintain reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. If any of these inquiries were made without a permissible purpose or without my consent, they may be in violation of these sections of the FCRA.

I request that these inquiries be removed from my credit report as they are unverified and potentially fraudulent. I also request that any negative marks associated with these inquiries be removed from my credit report. 

Thank you for your prompt attention to this matter. 

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