Consumer complaint received 2023-08-16
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 Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern, I am writing to formally dispute several violations that have significantly impacted my financial well-being and to request the enforcement of my legal rights as a consumer under applicable federal laws. The violations pertain to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and other relevant regulations. 

Unauthorized Inquiry - XXXX  Violation : Fair Credit Reporting Act ( FCRA ) Unauthorized inquiry without consent on XX/XX/XXXX. 
Billing Error - XXXX XXXX Violation : Truth in Lending Act ( TILA ) Account Number : XXXX Inaccurate information reported despite consistent on-time payments as agreed. 
Various Violations - XXXX XXXX XXXX Violations : Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ) Account Number : XXXX Litigation involvement, incorrect high balance, inaccurate date of last activity, re-aged accounts without proper notice, false representation of debt status, improper communication of credit information. 
These violations have had a profound and distressing impact on my life. I would like to share a personal story to illustrate the emotional toll and hardship these violations have caused. 

[ Share your personal story here. Describe how these inaccurate accounts have affected your ability to secure housing, employment, or financial opportunities. Explain the stress, anxiety, and frustration you've experienced due to the false information on your credit report. Be detailed and convey the emotional impact as vividly as possible. ] Given the significance of these violations and the severe repercussions they have had on my financial and emotional well-being, I kindly request the following : Thorough investigation and enforcement of the violations outlined above, including appropriate penalties for non-compliance with federal consumer protection laws. 
XXXX removal of the unauthorized inquiry by XXXX from my credit report. 
Correction and update of the inaccurate information provided by XXXX XXXX on my credit report, in accordance with the Truth in Lending Act. 
Removal of all inaccurate and unverified information associated with XXXX XXXX XXXX from my credit report, as required by the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and other applicable laws. 
I am deeply committed to resolving these issues and restoring the accuracy and integrity of my credit report. Your intervention is crucial to ensuring that my rights as a consumer are upheld and that I can regain control of my financial stability and peace of mind. 

Thank you for your attention to this matter. I look forward to a swift and just resolution of these violations. Please keep me updated on the progress of the investigation and actions taken. 

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