Consumer complaint received 2023-08-15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I hope this letter finds you in good health. I am writing to formally dispute inaccurate and unauthorized information on my credit report, and I am seeking your assistance in addressing these matters in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other relevant consumer protection laws. 

The violations that have come to my attention are as follows : Unauthorized Inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Personal Information regarding previous addresses The sharing of incorrect previous addresses The presence of these inaccuracies and unauthorized inquiries has had a profound and distressing impact on my life. These errors have hindered my ability to secure favorable financial terms, thereby significantly affecting my ability to provide for my family and plan for our future. It has been an emotionally taxing journey as my dreams of homeownership, pursuing higher education, and achieving financial stability have been derailed by these discrepancies.

In an attempt to provide a personal context, allow me to share a specific incident that exemplifies the challenges I have encountered due to these inaccuracies. A few months ago, I applied for a mortgage to purchase a home that would provide stability for my family. Unfortunately, my application was denied due to the discrepancies present on my credit report. This rejection not only shattered my dreams of providing a secure and comfortable living space for my loved ones but also highlighted the urgency of resolving these inaccuracies to secure a better future for my family.

In light of the hardships I have faced due to these errors, I humbly request your intervention to enforce my legal rights under the Fair Credit Reporting Act. Specifically, I kindly request that the relevant creditors verify and accurately report the disputed accounts on my credit report. Furthermore, I request the immediate removal of all unauthorized inquiries from my credit report. 

I deeply appreciate your time and attention to this matter. The impact of these inaccuracies goes beyond numbers and figuresit deeply affects the lives and well-being of individuals and families like mine. Your assistance in rectifying this situation will not only restore my hope for financial stability but also reaffirm my faith in the protection of consumer rights. 

Please consider this letter as my formal dispute and request for assistance in rectifying these inaccuracies. I look forward to your prompt attention to this matter and a swift resolution. If you require any additional documentation or information, please do not hesitate to contact me. 

Thank you for your understanding and support. 

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