Consumer complaint received 2023-08-16
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, California XXXX Date of Birth : XX/XX/ SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention a series of violations committed by multiple creditors that have significantly impacted my financial well-being and personal life. These violations pertain to provisions within the Fair Credit Reporting Act ( FCRA ), as well as other pertinent consumer protection laws. I kindly request your assistance in enforcing my legal rights and addressing these violations promptly. 

Personal Story of Impact : I would like to share with you the profound impact that these violations have had on my life. As a diligent and responsible consumer, I have always strived to maintain a positive credit history. However, the inaccuracies and unauthorized inquiries on my credit report have caused me immense distress and hardship. These erroneous entries have not only tarnished my creditworthiness but have also resulted in denied credit applications, higher interest rates, and missed opportunities. 

For instance, I recently applied for a mortgage to fulfill my dream of homeownership. Due to the false reporting of late payments on my account with XXXX XXXX ( Account Number : XXXX ), my creditworthiness was unfairly questioned, leading to higher mortgage rates and substantial financial strain. This has not only jeopardized my aspirations but has also caused emotional distress as I witness my dreams slipping away due to circumstances beyond my control. 

Furthermore, the incorrect personal information, including inaccurate previous addresses, has led to confusion and misunderstandings in my interactions with financial institutions and other entities. The unauthorized inquiries by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have compounded these issues, leaving me feeling violated and powerless against these inaccuracies. 

Request for Enforcement : In light of the aforementioned violations, I kindly request your intervention to enforce my legal rights as a consumer. Specifically, I ask that you investigate the actions of the involved creditors and ensure that they comply with the provisions of the Fair Credit Reporting Act ( FCRA ), the relevant sections of which I have detailed below : Inaccurate Reporting : FCRA Section 623 ( a ) ( 1 ) ( A ) Unauthorized Inquiries : FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) Accuracy of Consumer Information : FCRA Section 607 ( b ) Resolution Request : In addition to the enforcement of my legal rights, I implore you to ensure that the unverified and inaccurate accounts on my credit report, as detailed in my previous correspondence, are promptly and permanently removed. This action is crucial not only for my financial recovery but also for the restoration of my emotional well-being.

I appreciate your attention to this matter and your dedication to upholding consumer rights. Please keep me informed of the progress and outcome of your investigation. You can reach me at [ your phone number ] or [ your email address ] to discuss any further details or provide updates.

Thank you for your time and consideration. I look forward to a resolution that will restore my faith in the financial system and provide me the opportunity to rebuild my financial stability. 

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