Consumer complaint received 2023-08-11
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute the inaccurate information and unauthorized inquiries present on my credit report, in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in ensuring that my rights as a consumer are protected and that the applicable legal measures are enforced. 

Violations : Incorrect Personal Information Reporting an incorrect name, " XXXX XXXX, '' on my credit report. This false information not only jeopardizes my financial reputation but also infringes upon my privacy. 

Incorrect Address Incorrectly reporting a previous address, " XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX, '' which is entirely unrelated to me. This error could lead to further complications regarding my personal identification. 

Unauthorized Inquiries Unjustified inquiries by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and " XXXX '' on XX/XX/XXXX have been listed on my credit report without my knowledge or consent. These unauthorized inquiries have raised concerns about potential fraud, affecting my sense of security. 

Inaccurate Account Information The account " XXXX/DOFED '' ( Account Number : XXXX ) inaccurately reports late payments that have not been updated or corrected. This misinformation unfairly reflects my creditworthiness and financial responsibility. 

Unauthorized Inquiries Unauthorized inquiries by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' " XXXX XXXX, '' and " XXXX XXXX have been included in my credit report without my consent or any valid reason. These inquiries cast doubts on the integrity of my credit information. 

Unauthorized Inquiries The unauthorized inquiries by " XXXX, '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have been listed without my authorization. This unauthorized access to my credit information has left me feeling violated and exposed. 

Unauthorized Inquiry An unauthorized inquiry by " XXXX XXXX '' on XX/XX/XXXX has been included without any legitimate reason or my permission. This unwarranted intrusion into my financial history is deeply distressing. 

Personal Impact : Allow me to share how these violations have emotionally impacted my life. These errors and unauthorized inquiries have caused me considerable distress, XXXX, and fear. I have diligently worked towards building and maintaining a respectable credit profile, but these inaccuracies have shattered my sense of accomplishment. I am not merely a credit report ; I am a person whose hard work and aspirations have been undermined by these violations. The uncertainty these inaccuracies create has left me questioning my financial stability and future. 

Resolution : In light of these violations and the profound impact they have had on my life, I implore you to take immediate action. I earnestly request that the relevant creditors investigate these discrepancies and verify the accuracy of the reported information. I seek your support in enforcing the necessary legal measures to ensure my rights as a consumer are upheld and that my credit report is reflective of accurate and verified information. 

I kindly request that the creditors in question remove the unverified accounts and inquiries from my credit report. This step is vital to restoring my confidence in the accuracy of my credit profile and allowing me to move forward with my financial goals without the burden of erroneous and unauthorized information. 

I appreciate your prompt attention to this matter. I believe in the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights, and I look forward to a resolution that rectifies these violations and allows me to regain control over my credit information. 

Thank you for your time and consideration. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

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