Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: CT
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute and seek enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ) regarding multiple violations committed by the following creditors : XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX 



I recently discovered unauthorized credit inquiries on my credit report made by the aforementioned creditors, which has had a devastating impact on my life. These inquiries were conducted without my knowledge or consent, violating Section 604 ( a ) ( 3 ) ( B ) of the FCRA, which mandates that credit inquiries must have a permissible purpose and necessitates consumer authorization. I demand immediate removal of these unauthorized inquiries from my credit report as per the FCRA 's provisions. 



Allow me to share a personal story of how these violations have affected my life. The discovery of these unauthorized credit inquiries has caused me considerable emotional distress and anxiety. As a hardworking individual who has always been diligent in managing my finances, the thought of someone accessing my credit information without my consent is deeply troubling. This breach of trust has left me feeling violated and helpless, and I am constantly worried about the potential consequences these unauthorized inquiries may have on my financial future. 



Moreover, I have also encountered questionable account information associated with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : XXXX ). The accuracy of these accounts is in doubt, and I exercise my rights under Section 611 of the FCRA to dispute and request an investigation into the validity of these accounts. 



The stress caused by these inaccuracies and unauthorized inquiries is profoundly affecting my ability to secure credit for significant life events, such as buying a home or furthering my education. As a result, my dreams and aspirations are being put on hold, and I am facing numerous challenges in achieving financial stability. 



In light of the violations mentioned above, I implore the Consumer Financial Protection Bureau to take immediate action in enforcing my legal rights under the FCRA. I respectfully request that you investigate the unauthorized credit inquiries made by XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and ensure their removal from my credit report. Additionally, I urge you to thoroughly examine the questionable account information associated with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX and, if unverified, remove these accounts from my credit report as well. 



I am counting on the Consumer Financial Protection Bureau to safeguard consumer rights and ensure that all entities involved comply with federal laws governing credit reporting. Your intervention is crucial in resolving these issues and restoring my faith in the credit reporting system. 



I understand the complexities involved in addressing such matters and appreciate your attention to this dispute. I have enclosed relevant supporting documentation and look forward to your prompt response. 



Thank you for your consideration and assistance in resolving 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