Consumer complaint received 2023-08-24
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to raise a serious concern regarding unauthorized credit inquiries that have significantly impacted my financial well-being and personal peace of mind. I kindly request your intervention in enforcing my legal rights and addressing the violations that have occurred. These violations have not only disrupted my financial stability but have also caused emotional distress due to the ordeal I have endured. 

My story starts with the unauthorized inquiries that have appeared on my credit report. The violations are as follows : XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.

Violated Law : Consumer Financial Protection Act ( CFPA ) - Unfair, Deceptive, or Abusive Acts or Practices XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXX XXXXXXXX CRED Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 
Violation : Unauthorized inquiry Incorrect Personal Information : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX This is not my name. 
Delete it immediately from my report. 

Violation : Incorrect personal information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report. 

Violation : Incorrect previous address PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX This address is not correct. Delete it immediately from my report. 

Violation : Incorrect previous address ALSO KNOWN AS : XXXX XXXX XXXX This is not my name. 
Delete it immediately from my report. 

Violation : Incorrect personal information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report. 

Violation : Incorrect previous address PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report. 

Violation : Incorrect previous address The continuous presence of these unauthorized inquiries has severely affected my ability to secure loans and credit at reasonable terms. The emotional toll of constantly dealing with the ramifications of unauthorized inquiries on my credit report has been exhausting. These unauthorized inquiries have negatively impacted my sense of financial stability and security, causing undue stress and XXXX 

My personal story reflects the profound impact these unauthorized inquiries have had on my life. The countless hours spent trying to correct misinformation and navigating the complex world of credit reporting have taken a toll on my emotional and mental well-being. These unauthorized inquiries have made me question the fairness of the system and have disrupted my financial goals and plans for the future. 

In light of the violations and the personal toll they have taken, I respectfully request the following : Enforce Legal Rights : I urge the Consumer Financial Protection Bureau to take immediate and decisive action to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Investigation and Removal : I request a thorough investigation into each of the unauthorized inquiries listed above. If these inquiries can not be verified or justified, I kindly request their removal from my credit report as soon as possible. 

Compensation : Considering the emotional distress and financial hardship these unauthorized inquiries have caused, I would appreciate the consideration of appropriate compensation for the ordeal I have endured. 

I believe that the Consumer Financial Protection Bureau is a vital advocate for consumers like myself, and I am hopeful that your intervention will lead to a resolution of this distressing matter. I trust in the ability of your organization to ensure a fair and just outcome. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my financial peace of mind. Please feel free to contact me at XXXX or XXXX for any further information you might require. 

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