Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute and request enforcement of my legal rights concerning a series of violations that have profoundly affected my financial well-being and emotional state. These violations pertain to multiple creditors and their respective account numbers, which have contributed to severe inaccuracies on my credit report, impeding my ability to secure loans, obtain reasonable interest rates, and even pursue life goals. I implore your intervention to rectify this distressing situation. 

XXXX XXXX XXXX : Account number : XXXX I have repeatedly requested that XXXX XXXX XXXX clarify the discrepancies surrounding this account, yet my appeals have gone unanswered. The inaccurate information attributed to this account not only undermines my creditworthiness but also creates significant XXXX and uncertainty as I strive to make important financial decisions. 

Violation : Potential violation of the Fair Credit Reporting Act ( FCRA ) - Sections 1681e, 1681i, 1681s-2. 

XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Multiple unauthorized credit inquiries conducted by XXXX XXXX have unjustly impacted my credit score. These inquiries were made without my knowledge or consent, casting a shadow of distrust over my financial integrity. The stress and frustration caused by these unauthorized actions have been overwhelming. 

Violation : Potential violation of the Fair Credit Reporting Act ( FCRA ) - Sections 1681b, 1681g. 

XXXX : Account number : XXXX The reporting of inaccurate information related to this account has resulted in unwarranted setbacks for me. This erroneous representation of my payment history has unfairly tarnished my creditworthiness, leading to higher interest rates and denied opportunities. The emotional toll of being penalized for inaccurate reporting has been deeply distressing. 

Violation : Violation of the Fair Credit Reporting Act ( FCRA ) - Section 1681c. 

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX AZ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account numbers : Address The inclusion of incorrect addresses on my credit report has added confusion to my personal information, leading to administrative hurdles and concerns about identity theft. This negligence has left me feeling vulnerable and stressed, unsure of the security of my personal data. 

Violation : Possible violation of the Fair Credit Reporting Act ( FCRA ) - Section 1681c. 

XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX Unauthorized credit inquiries made by XXXX XXXX XXXX have not only violated my privacy but have also persisted beyond the statute of limitations. The emotional toll of facing these intrusive inquiries and their potential long-term impact on my creditworthiness has been overwhelming. 

Violation : Potential violation of the Fair Credit Reporting Act ( FCRA ) - Sections 1681b, 1681g. 

I want to emphasize that these violations have not only affected me financially but have also taken a significant emotional toll. The constant stress, uncertainty, and fear of not being able to achieve my life goals due to inaccuracies and unauthorized actions have been deeply distressing. It has affected my sleep, peace of mind, and overall well-being. 

In light of the violations mentioned above, I kindly request the following actions be taken : Enforce the relevant provisions of the Fair Credit Reporting Act ( FCRA ) to ensure that accurate and verified information is reported on my credit report. 
Require creditors involved to remove unverified accounts and unauthorized credit inquiries from my credit report. 
Mandate creditors to correct inaccurate information promptly and provide written confirmation of the corrections made. 
Investigate the actions of the involved creditors to prevent similar violations from occurring in the future. 
I sincerely appreciate your attention to this matter and request your assistance in rectifying these violations. Your intervention will help alleviate the financial and emotional burden I have been enduring due to these inaccuracies and unauthorized actions. Please feel free to contact me for any further information or clarification. 

Thank you for your time and understanding. 

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