Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: AZ
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute certain entries on my credit report and to request your intervention in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 

The violations I am addressing pertain to unauthorized inquiries, questionable account information, and inaccurate personal data that have been inaccurately reported by various creditors. These violations have caused profound distress and hardship in my life. Allow me to elaborate on the impact these violations have had on me and my family : In XXXX, I experienced an unexpected family medical emergency that required urgent attention and significant financial resources. At a time when my focus was on the well-being of my loved ones, I discovered that unauthorized credit inquiries had been made without my consent by entities such as XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX These inquiries were not only invasive but also exacerbated my stress during an already challenging period. 

Furthermore, the inclusion of questionable account information on my credit report, specifically associated with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, has further hindered my ability to secure financial stability. These inaccuracies have prevented me from accessing fair credit terms, imposing obstacles on my efforts to rebuild my financial standing after the aforementioned medical crisis. 

Additionally, the erroneous reporting of incorrect previous addresses, namely XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX, has led to confusion, misunderstandings, and potential identity-related concerns. I value the security of my personal information and find it distressing that such inaccuracies persist on my credit report. 

It is imperative that these violations be promptly addressed and rectified. I kindly request that the Consumer Financial Protection Bureau enforce the relevant provisions of the FCRA, FDCPA, and other applicable laws to ensure the removal of unauthorized inquiries, questionable account information, and incorrect personal data from my credit report. The emotional toll and financial setbacks caused by these violations have been profound, and I believe it is my right as a consumer to have an accurate and fair credit history. 

In light of the above, I urge the CFPB to communicate with the involved creditors and advocate for the removal of the unverified and inaccurate account information from my credit report. This action will not only restore my faith in the consumer protection system but also provide me with the opportunity to regain financial stability and peace of mind. 

Thank you for your attention to this matter. I look forward to a prompt resolution that upholds the principles of fairness, accuracy, and accountability in consumer credit reporting. 

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