Consumer complaint received 2023-08-18
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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and address a series of violations that have adversely affected my credit report, as well as to request your assistance in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ). I kindly ask for your intervention to rectify these issues promptly.

I would like to share a deeply personal story illustrating the profound impact these violations have had on my life. Over the past few years, I have diligently worked towards securing a stable financial future for myself and my family. Despite my persistent efforts to maintain financial responsibility, I found myself facing an unexpected crisis that left me vulnerable to the very institutions that are meant to support consumers like me. This ordeal has taken an emotional toll, causing sleepless nights and endless stress as I navigate the complexities of credit reporting and debt management. 

The violations committed by several creditors have only exacerbated my distress. Among the creditors, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX and XXXX have all engaged in actions that directly contravene the consumer protections established by law. Specifically : 1. Fair Credit Reporting Act ( FCRA ) Violations : These creditors have violated Section 1681e by failing to comply with procedures for maximum possible accuracy of the information they report about me. The accounts they reported have questionable names and numbers, leading to inaccuracies that detrimentally impact my creditworthiness. 
Additionally, these creditors have violated Section 1681i by failing to appropriately investigate and address my disputes of accuracy. Despite my efforts to communicate and rectify these errors, they have not taken corrective action. The specific FCRA sections violated are 15 U.S.C. 1681e and 15 U.S.C. 1681i.

2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( if applicable ) : In the case of debt collection, these creditors have violated Section 1692e by providing false or misleading representations about the nature of the debts they report.

Moreover, their actions also contravene Section 1692f by engaging in unfair practices that harm my financial well-being. The specific FDCPA sections violated are 15 U.S.C. 1692e and 15 U.S.C. 1692f. 
3. Unauthorized Credit Pulls : These creditors ' unauthorized credit pulls are a violation of state laws and regulations governing unauthorized access to credit reports. The unauthorized pulls occurred without my consent and have further damaged my credit standing. 
For your reference, I have provided a comprehensive list of the accounts in question, including the associated account numbers : XXXX XXXX Account ( XXXX ) : Violations of FCRA Sections 1681e and 1681i. 
XXXX Account ( XXXX ) : Violations of FCRA Sections 1681e and 1681i. 
XXXX Account ( XXXX ) : Violation of FCRA Section 1681e. 
XXXX XXXX Account ( XXXX ) : Violations of FCRA Sections 1681e and 1681i. 
XXXX XXXX  XXXX Account ( XXXX ) : Violations of FCRA Sections 1681e and 1681i. 
XXXX XXXX Account XXXX XX/XX/XXXX ) : Violations of unauthorized credit pulls. 
XXXXXXXX XXXX Account ( XX/XX/XXXX ) : Violations of unauthorized credit pulls. 
XXXX Account ( XX/XX/XXXX ) : Violations of unauthorized credit pulls. 
I implore the Consumer Financial Protection Bureau to intervene on my behalf and ensure that these violations are addressed promptly. I believe in the power of accountability and fairness, and I trust that the CFPB will help restore the justice I deserve. Accordingly, I kindly request that the following actions be taken : Investigation and Correction : I request a thorough investigation into the inaccuracies, unauthorized credit pulls, and false representations made by the mentioned creditors. I ask that these violations be corrected in accordance with the FCRA, FDCPA, and applicable state laws. 

Removal of Unverified Accounts : I respectfully request that the aforementioned creditors remove the unverified and inaccurate accounts from my credit report. These accounts have unfairly impacted my creditworthiness and financial stability. 
I understand that the process of resolving these issues may take time, but I am hopeful that with the CFPB 's assistance, I can regain control over my financial future. I believe in the principles of transparency, fairness, and accountability, and I thank you in advance for your dedication to upholding these values. 

Please feel free to contact me at [ email address ] or [ phone number ] if you require any additional information or documentation to proceed with this dispute. I look forward to a favorable resolution and to the restoration of my financial peace of mind. 

Thank you for your attention to this matter. 

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