Consumer complaint received 2023-08-21
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 hope this letter finds you well. I am writing to formally dispute certain entries on my credit report, which I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically the sections highlighted below. I kindly request your intervention to ensure that my rights are upheld and that the pertinent parties take immediate corrective action. 

The violations I have identified pertain to unauthorized inquiries, potential misrepresentation of accounts, and a lack of proper investigation into my disputes. The specific violations are as follows : XXXX  | XX/XX/XXXX : Unauthorized Inquiry Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violated Laws : FCRA, 15 U.S.C. 1681b ( f ) Relevant Section : FCRA 1681b ( f ) - Permissible Purposes of Consumer Reports XXXX  | Account number : XXXX - Misrepresentation of Account Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 
Violated Laws : FCRA, 15 U.S.C. 1681e ( a ) Relevant Section : FCRA 1681e ( a ) - Compliance Procedures XXXX XXXX  | XX/XX/XXXX : Unauthorized Inquiry Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violated Laws : FCRA, 15 U.S.C. 1681b ( f ) XXXX XXXX, XXXX XXXX | XX/XX/XXXX : Unauthorized Inquiry Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violated Laws : FCRA, 15 U.S.C. 1681b ( f ) XXXX  | XX/XX/XXXX : Unauthorized Inquiry Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violated Laws : FCRA, 15 U.S.C. 1681b ( f ) XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized Inquiry Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violated Laws : FCRA, 15 U.S.C. 1681b ( f ) These unauthorized inquiries and misrepresented accounts have taken a heavy toll on my emotional and financial well-being. To illustrate the impact, allow me to share a deeply personal story of how these violations have affected my life : Several months ago, I embarked on the journey of purchasing my first home. As a young professional, this milestone represented years of hard work and disciplined financial management. With excitement and anticipation, I submitted my mortgage application, confident that my credit report would reflect my responsible credit history. 

To my shock and dismay, I discovered multiple unauthorized inquiries and accounts that I have never been associated with. The discovery left me devastated and disheartened, as the credit report that was supposed to reflect my diligent efforts had been tarnished by activities beyond my control. The process of acquiring my dream home turned into a nightmare of battling erroneous information, consuming my time and energy. 

These violations have not only undermined my financial credibility but have also caused undue stress, XXXX, and sleepless nights. I find myself questioning the security of my personal information and the integrity of the credit reporting system. The emotional turmoil has affected my overall well-being, impacting my performance at work and my relationships with family and friends. 

I implore you to enforce the legal rights provided by the FCRA and ensure that the creditors responsible for these violations take immediate action to rectify the situation. Specifically, I request that these unverified and unauthorized accounts be promptly removed from my credit report, as mandated by law. 

I am grateful for the Consumer Financial Protection Bureau 's dedication to protecting consumers like me from unfair and deceptive practices. Your intervention in this matter would not only restore my faith in the credit reporting system but also provide a sense of justice and relief in a time of distress. 

Thank you for your attention to this matter. I trust that your office will diligently investigate and address these violations to ensure a fair and accurate representation of my credit history. I look forward to your prompt response and resolution. 

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