Consumer complaint received 2023-08-22
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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to bring a serious matter to your attention regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) by several creditors. The violations I have experienced have had a profound and distressing impact on my life. I am reaching out to request your intervention to enforce my legal rights and seek resolution in this matter. 

Violation Details : Account with XXXX XXXX XXXX XXXX : Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ) - Failure to investigate and correct inaccurate information. 
Account with XXXX XXXX : Violation : Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting of inaccurate payment history. 
Account with XXXX ( XX/XX/XXXX ) : Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ) - Failure to investigate and correct inaccurate information. 
Account with XXXX : Violation : Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting of inaccurate payment history. 
Account with XXXX : Violation : Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting of inaccurate payment history. 
Account with XXXX XXXX : Violation : Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting of inaccurate payment history. 
Account with XXXX  XXXX : Violation : Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting of inaccurate payment history. 
Account with XXXX XXXX XXXX : Violation : Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) - Reporting of inaccurate payment history. 
Account with XXXX XXXX : Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ) - Failure to investigate and correct inaccurate information.

Account with XXXX XXXX XXXX : Violation : Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ) - Failure to investigate and correct inaccurate information. 
Address Entry : XXXX XXXX XXXX AZ XXXX Violation : Violation of FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( B ) - Inclusion of incorrect personal information. 
Address Entry : XXXX XXXX XXXX XXXX XXXX AZ XXXX Violation : Violation of FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( B ) - Inclusion of incorrect personal information. 
Personal Story : Allow me to share how these violations have significantly impacted my life. The inaccurate information and false reporting by these creditors have resulted in a series of unjust consequences. As a result of these erroneous entries on my credit report, I have faced denials for loans and credit applications that I desperately needed. This situation has caused immense stress, XXXX, and even a sense of helplessness. I recall a recent instance where I had to forego an important opportunity due to my tarnished credit reputation, leaving me unable to provide for my family 's needs and aspirations. 

Request for Action : In light of these serious violations and the emotional distress they have caused me, I am humbly requesting the following actions to rectify this situation : I implore the Consumer Financial Protection Bureau to enforce the FCRA regulations and hold these creditors accountable for their violations. 
I kindly request the removal of the unverified accounts from my credit report, as these entries have been detrimentally affecting my financial stability and overall well-being. 
I am hopeful that your intervention will lead to a resolution of these issues and provide me with the opportunity to rebuild my credit and regain my financial security. 

Thank you for your attention to this matter. I am grateful for your dedication to upholding consumer rights and ensuring fair and accurate credit reporting. 

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