Consumer complaint received 2023-08-17
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to bring to your attention a series of serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) that have significantly affected my financial well-being and emotional state. I am seeking your intervention to enforce my legal rights and restore the integrity of my credit report. 

XXXX XXXX - Account Number : XXXX The actions of XXXX XXXX have caused me significant distress and hardship. Despite my repeated requests for proof of the alleged debt and the original application bearing my signature, they have failed to provide any such evidence. This violation of FCRA 's Section 611 ( a ) ( 1 ) ( A ) has led to inaccurate and damaging information remaining on my credit report, directly affecting my ability to secure favorable financing for important life milestones. 

In addition, XXXX XXXX ' failure to perform a proper investigation, as mandated by FCRA 's Section 611 ( a ) ( 2 ), has perpetuated the inaccuracies on my report. This has resulted in undue stress and has hindered my financial opportunities, including securing affordable housing and obtaining credit at reasonable terms. 

Unauthorized Inquiries by XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX Unauthorized credit inquiries by these entities have had a profound impact on my life. The unauthorized inquiry by XXXX on XX/XX/XXXX, as well as those by XXXX on XX/XX/XXXX, has violated my rights under FCRA 's Section 604 ( a ) ( 3 ) ( B ). These unauthorized inquiries were made without my consent or knowledge, resulting in unwarranted damage to my credit profile. 

These unwarranted inquiries have made it increasingly challenging for me to pursue my dreams and goals. The emotional toll of these violations, coupled with the unjust impact on my financial opportunities, can not be overstated. I have felt a tremendous weight on my shoulders, as my efforts to establish a secure financial future for myself and my family have been hindered by the negligent actions of these creditors.

Personal Impact and Request for Resolution These violations have not only affected my financial stability but have taken a toll on my overall well-being. The stress and anxiety caused by the inaccuracies on my credit report and the unauthorized inquiries have disrupted my peace of mind and affected my ability to focus on personal and professional growth.

I implore the Consumer Financial Protection Bureau to take immediate and assertive action to enforce the protections granted to consumers under FCRA, FACTA, and FDCPA. I am requesting that you intervene on my behalf and compel the involved creditors to remove the unverified accounts and unauthorized inquiries from my credit report, in accordance with FCRA 's Section 609 ( f ).

I trust in the ability of the Consumer Financial Protection Bureau to hold these entities accountable for their violations and to ensure that my rights as a consumer are upheld. My sincere hope is that through your intervention, I can regain control over my financial future and find the peace of mind I so desperately seek.

Thank you for your attention to this matter, and I look forward to a prompt resolution to rectify these violations. 

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