Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: CA
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to lodge a formal dispute against multiple creditors for their egregious violations of the Fair Credit Reporting Act ( FCRA ). The violations in question have had a devastating impact on my financial well-being and emotional state. I implore the CFPB to enforce the legal provisions in place to rectify these issues and alleviate the immense distress they have caused. 

My credit report has been marred by inaccurate and unverified information, contributing to unjustly damaging my creditworthiness and future financial prospects. The following is a detailed account of the violations and their profound impact on my life : Violation XXXX : Incorrect Personal Information The inclusion of an incorrect previous address, XXXX XXXX XXXX XXXX, CA XXXX, has further exacerbated my already challenging financial situation. This incorrect address has not only confused potential creditors but also delayed critical communication, leading to undue stress and missed opportunities. 

Violation XXXX : Incorrect Personal Information The appearance of another incorrect previous address, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, has deepened the damage to my credit report. This false information has hindered my ability to secure stable housing and caused additional emotional turmoil as I attempt to navigate my financial recovery. 

Violation XXXX : Inaccurate Reporting of Account Information The creditor XXXX inaccurately reports Account Number XXXX as being paid late, which is patently false. This reporting has significantly undermined my creditworthiness, causing me to be denied opportunities for financial growth and stability. The stress and XXXX caused by this misreporting are overwhelming and have negatively impacted my personal life. 

Violation XXXX : Reporting Questionable Account Information The presence of XXXX with Account Number XXXX raises doubts about the validity of this account. This uncertainty has cast a shadow over my credit report and led to increased skepticism from potential creditors. The emotional toll of not knowing the authenticity of this account has been immeasurable. 

Violation XXXX : Inaccurate Reporting of Account Information XXXX XXXX 's inaccurate reporting of Account Number XXXX as being paid late is a direct contradiction to my diligent payment history. The false portrayal of my financial responsibility has been a source of unrelenting stress and fear for my financial future. 

Violation XXXX : Inaccurate Reporting of Account Information XXXX XXXX erroneous reporting of Account Number XXXX as being paid late is an assault on my hard-earned financial integrity. The inaccurate portrayal of my credit management has negatively impacted my self-esteem and overall well-being. 

Violation XXXX : Inaccurate Reporting of Account Information XXXX XXXX 's false reporting of Account Number XXXX as being paid late tarnishes my reputation as a responsible borrower. This unwarranted stain on my credit history has made me feel powerless and anxious about my financial stability. 

Violation XXXX : Unauthorized Credit Inquiry The unauthorized inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX has added insult to injury. The disregard for my consent has deepened my sense of helplessness and violated my rights as a consumer. 

These violations have not only wreaked havoc on my creditworthiness but have also taken a toll on my emotional well-being. The sleepless nights, the constant worry about my financial future, and the fear of continued rejection have created an unbearable burden that affects every aspect of my life. 

In light of these violations and their severe consequences, I am requesting that the aforementioned creditors remove these unverified and inaccurately reported accounts from my credit report immediately. I implore the CFPB to enforce the Fair Credit Reporting Act and hold these creditors accountable for their actions. 

I have attached supporting documentation for your review, including my credit reports and relevant correspondence. I kindly request your prompt attention to this matter and a thorough investigation into these violations. 

Thank you for your understanding and assistance in this distressing situation. I eagerly await a resolution that will allow me to regain control of my financial future and restore my peace of mind. 

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