Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NV
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, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several violations that have significantly impacted my financial well-being and personal life. I believe these violations stem from the mishandling of my credit information, unauthorized credit pulls, and the reporting of unverified and inaccurate accounts on my credit report. I am seeking your intervention to enforce my legal rights and rectify these injustices. 

As I provide this account of my experiences, I am sharing a deeply personal story to illustrate how these violations have affected my life on a profoundly emotional level. It is my hope that this narrative will highlight the urgency and necessity of addressing the violations at hand. 

My journey began when I noticed unfamiliar accounts listed on my credit report, accounts that I have no recollection of authorizing or affiliating with. These include entries from the following creditors and account numbers : XXXX XXXX XXXX - Account Number : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XX/XX/XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX - Account Number : XX/XX/XXXX XXXX XXXX  - Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XX/XX/XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XX/XX/XXXX XXXX XXXX - Account Number : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XX/XX/XXXX XXXX XXXX XXXX XXXX - Account Number : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  - Account Number : XX/XX/XXXX In addition to these financial concerns, my personal information has been inaccurately reported. The listing of incorrect addresses and names, such as " XXXX XXXX XXXX XXXX, '' " XXXX XXXX XXXX XXXX XXXX NV XXXX, '' and " XXXX XXXX XXXX XXXX XXXX NV XXXX, '' has caused further distress. Not only have these inaccuracies hindered my ability to access credit, but they have also triggered a profound sense of invasion of my privacy. 
I believe that these actions may constitute violations of the following laws : Fair Credit Reporting Act ( FCRA ) : Unauthorized credit inquiries, reporting inaccurate information, failing to investigate disputes.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting incorrect or unverified debts.

Truth in Lending Act ( TILA ) : Failure to provide accurate and timely information about credit transactions. 
Identity Theft Laws : Reporting incorrect personal information, which may be related to identity theft. 
Consumer Financial Protection Bureau ( CFPB ) Regulations : Unfair, deceptive, or abusive acts or practices in the consumer financial marketplace. 
With this narrative in mind, I humbly request your assistance in enforcing my legal rights. I kindly ask that you ensure the removal of these unverified accounts from my credit report, granting me the chance to rebuild my financial security and personal integrity. I firmly believe that the enforcement of consumer protection laws and regulations is crucial in safeguarding the rights of individuals like myself, who are unfairly affected by these violations. 

I am eager to cooperate fully with your investigation into these matters and provide any necessary documentation to support my claims. Thank you for taking the time to consider my dispute and for your dedication to upholding the principles of consumer protection. 

Sincerely, XXXX 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