Consumer complaint received 2023-08-15
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/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal dispute concerning several violations of federal consumer protection laws that have adversely impacted my financial well-being. The violations pertain to multiple creditors ' actions, as outlined in the details provided below : 1. Unauthorized Inquiries : 1.1. XXXX - Date of inquiry : XX/XX/XXXX 1.2. XXXX - Date of inquiry : XX/XX/XXXX 1.3. XXXX - Date of inquiry : XX/XX/XXXX 1.4. XXXX - Date of inquiry : XX/XX/XXXX 1.5. XXXX - Date of inquiry : XX/XX/XXXX 1.6. XXXX XXXX, XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were conducted without my authorization, violating the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). These unauthorized inquiries have detrimentally affected my credit profile, leading to unnecessary financial strain. 

2. Incorrect Account Information and Questionable Accounts : 2.1. XXXX - Account XXXX : XXXX 2.2. XXXX XXXX - Account XXXX : XXXX 2.3. XXXX XXXX - Account Number : XXXX 2.4. XXXX XXXX - Account Number : XXXX The inclusion of incorrect account information and questionable accounts, which I can not verify as belonging to me, is in direct violation of FCRA. These inaccuracies have painted an inaccurate and distressing picture of my credit history. 

3. Incorrect Personal Information : 3.1. PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 3.2. PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX The presence of incorrect personal information in my credit report, such as incorrect addresses, infringes on my right to accurate and reliable credit reporting as guaranteed by FCRA. 

These violations have deeply affected my financial stability and personal well-being. I wish to share a personal story to illustrate the profound impact these violations have had on my life : [ Share a personal story that highlights the emotional and financial distress caused by these violations. Be detailed and emotive, emphasizing how these violations have affected your ability to secure loans, housing, employment, or other aspects of your life. ] In light of the aforementioned violations and their consequences, I am requesting the following actions : Thorough Investigation : I request a thorough investigation into the accuracy and legitimacy of the accounts and inquiries mentioned above. The lack of verification and unauthorized nature of these entries has been detrimental to my financial health. 

Removal of Unverified Accounts : I respectfully request that the creditors responsible for the unverified accounts take immediate action to remove these accounts from my credit report. The presence of unverified information is misleading and damaging to my creditworthiness. 

I implore the Consumer Financial Protection Bureau to enforce the relevant laws and regulations that safeguard consumers ' rights, such as the FCRA and FACTA. These laws are in place to ensure fair and accurate credit reporting, and I am hopeful that your intervention will lead to a resolution that restores my financial integrity and peace of mind. 

Thank you for your time and attention to this matter. I kindly request that you keep me informed of the progress and outcome of the investigation. I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

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