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 XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to you with a deep sense of urgency and concern regarding a distressing matter that has significantly impacted my financial well-being and emotional state. I humbly request your intervention and enforcement of the laws outlined below to address the violations I have encountered in an effort to rectify this unjust situation. 

The following accounts have been inaccurately reported on my credit profile, causing immense distress and affecting my financial standing : XXXX XXXX XXXX :, 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 : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX :, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX XXXX : Account number : XXXX, 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, 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 : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX, 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 :, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX  :, 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 :, 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 :, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unrecognized business, requesting investigation and removal. 
In addition, unauthorized inquiries have appeared on my credit report, potentially indicating violations of laws or regulations related to unauthorized access to my credit information : Inquiry by XXXX XXXX on XXXX The violations of relevant laws are as follows : Fair Credit Reporting Act ( FCRA ) : Sections 611 and 623 : Violations by failing to follow procedures for disputing inaccurate information on credit reports and the required investigation process by credit reporting agencies.

Section 605 : Violations by inaccurately reporting information, impacting the accuracy and completeness of my consumer credit reports. 
Fair Debt Collection Practices Act ( FDCPA ) : Sections 807 and 808 : Violations through false or misleading representations, and unfair practices when collecting debts.

Consumer Financial Protection Act ( CFPA ) : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Violations through actions that mislead consumers, cause substantial harm, or take advantage of consumer ignorance. 
Unauthorized Credit Inquiries : Potential violations of laws or regulations related to unauthorized access to my credit information. 

The emotional toll of these inaccuracies has been devastating. I had aspired to secure a mortgage for my first home, a dream I have nurtured for years. However, due to the presence of these unverified accounts on my credit report and unauthorized inquiries, my mortgage application was unjustly denied. The loss of this opportunity has left me feeling defeated and anxious, shattering the promise of homeownership and the security it would have provided. 

I earnestly request your assistance in enforcing these laws to ensure that my credit report is accurate and reflective of my responsible financial behavior. I implore you to compel the involved creditors to remove these unverified accounts and unauthorized inquiries from my credit report, thereby allowing me to rebuild my financial future and pursue my aspirations without unwarranted obstacles. 

I deeply appreciate your consideration of this matter and your commitment to protecting the rights of consumers. Your intervention would not only rectify this injustice but also offer a renewed sense of hope for a brighter future. 

Thank you for your time, attention, and unwavering dedication to ensuring fair and just financial practices. 

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