Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: AZ
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to formally dispute the inaccurate information present on my credit report, as well as to bring to your attention the violations of the Fair Credit Reporting Act ( FCRA ) committed by the creditors involved. I kindly request your assistance in addressing these matters and enforcing the appropriate legal measures. 

Inaccurate Personal Information - Previous Addresses ( 1st and 2nd Issues ) : It has come to my attention that my credit report contains incorrect previous addresses that I have never resided at, namely : The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report. 

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

These inaccurate addresses are negatively impacting my credit history and financial well-being. FCRA Section 611 provides that consumers have the right to accurate information on their credit reports. I kindly request the immediate removal of these incorrect addresses, as their presence on my report is unjust and misleading. 

Unauthorized Inquiries ( 3rd to 6th Issues ) : I have recently discovered unauthorized inquiries on my credit report, which I have no recollection of authorizing : The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

The inquiry was not authorized XXXX XXXX, IN Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

The inquiry was not authorized XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

These unauthorized inquiries infringe upon my privacy and consumer rights as outlined in FCRA Section 604. These inquiries were conducted without my consent and do not have a permissible purpose. I urge you to take action and ensure the removal of these unauthorized inquiries from my credit report. 

Questionable Account Information ( 7th to 10th Issues ) : I am deeply concerned about the presence of questionable account information on my credit report, specifically : Please remove it from my credit report. 
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. 

Please remove it from my credit report. 
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. 

Please remove it from my credit report. 
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. 

Please remove it from my credit report. 
XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

The account details associated with these entries are unclear and raise doubts about their accuracy. FCRA Section 623 mandates that creditors and data furnishers provide accurate and complete information. I implore you to investigate these questionable accounts and either provide clarification or remove them from my credit report to prevent further harm to my financial standing. 

Incorrect Name ( 11th Issue ) : Additionally, my credit report inaccurately lists the following name variations that are not associated with me : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX This is not my name. This incorrect name listing is in direct violation of FCRA Section 611, which grants consumers the right to accurate information. Please take immediate action to rectify this error and remove the incorrect name variations from my credit report. 

I would like to emphasize the emotional toll these inaccuracies and violations have taken on my life. They have hindered my ability to secure favorable interest rates, obtain loans, and pursue my financial goals. My frustration and distress have only grown as I've encountered roadblocks in my efforts to rectify these issues independently. 

In light of the violations and inaccuracies detailed above, I kindly request your intervention in enforcing the removal of the unverified accounts, unauthorized inquiries, and incorrect information from my credit report. Your assistance in rectifying these matters will provide much-needed relief and enable me to regain control of my financial future. 

Thank you for your attention to this matter. I am confident that your involvement will help ensure a fair and just resolution. 

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