Consumer complaint received 2023-08-18
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, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a deeply distressing matter that has had a significant impact on my financial well-being and overall quality of life. As a consumer who seeks to uphold their financial responsibilities and maintain a positive credit history, I find myself embroiled in a situation that not only challenges my financial integrity but also engenders emotional distress. 

I recently discovered several unauthorized credit pulls on my credit report, as well as instances of inaccurate personal information. It has come to my attention that these actions may be in violation of pertinent laws, notably the Fair Credit Reporting Act ( FCRA ). Specifically : Unauthorized Credit Pulls : I believe that my rights under FCRA Section 604 have been violated. This section stipulates that a credit report can only be accessed for a permissible purpose, such as when a consumer applies for credit. Unauthorized credit pulls may violate this provision if they were not initiated by the consumer 's authorization or a permissible purpose. 

Inaccurate Personal Information : I am convinced that my rights under FCRA Section 611 have been breached. This section mandates that credit reporting agencies investigate and correct any inaccurate or incomplete information within a reasonable timeframe after receiving a dispute from the consumer. In my case, I have identified instances of inaccurate personal information on my credit report, notably incorrect addresses. Despite my diligent efforts to rectify these inaccuracies, they persist, casting doubt on the accuracy and reliability of my credit report. 

Violation of FCRA Section 623 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies : I suspect that my rights under FCRA Section 623 have been transgressed. This section establishes that creditors and data furnishers are obligated to provide accurate and complete information to credit reporting agencies. The reported inaccurate addresses on my credit report not only undermine the integrity of the information but also raise concerns about the diligence of these entities in fulfilling their responsibilities. 

Here are the specific accounts and details of the violations : XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX  | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXXXXXX CA XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. 
I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
I implore the relevant parties involved to consider the emotional toll this ordeal has taken on me. The mere thought of my creditworthiness being compromised without my consent has caused sleepless nights and heightened XXXX The uncertainty surrounding my financial future has strained relationships and affected my ability to pursue important life goals. I share this personal story not for sympathy, but to underscore the profound impact that these violations have on consumers beyond the confines of their credit reports. 

In light of the circumstances outlined above, I kindly request the following : The immediate investigation and removal of unauthorized credit pulls from my credit report. 
The rectification of inaccurate personal information, particularly incorrect addresses, in accordance with FCRA guidelines. 
Swift compliance with FCRA Section 623, ensuring accurate and complete information is reported to credit reporting agencies. 
Consideration of the emotional and psychological distress that such violations inflict on consumers. 
I am committed to resolving this matter in a fair and amicable manner. I kindly request that you thoroughly investigate these violations and ensure that justice is served according to the applicable laws and regulations. Your assistance in rectifying this situation would not only alleviate my personal distress but also reaffirm my faith in the consumer protection framework. 

Thank you for your time and attention to this pressing matter. I look forward to a resolution that upholds the principles of fairness, accuracy, and accountability. 

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