Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
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, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute a series of violations of the Fair Credit Reporting Act ( FCRA ) committed by the following creditors and to request your intervention in enforcing legal remedies to address these violations. The erroneous information they have reported has led to significant negative consequences for my financial standing, and I urge you to take action to rectify this situation promptly. 

XXXX XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized Credit Inquiry Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

Violation : Inaccurate Personal Information Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate Payment History Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX XXXX  | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized Credit Inquiry Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX, XXXX, XXXX XXXX  | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized Credit Inquiry Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX, XXXX, XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate Payment History Reporting ( Duplicate entry ) Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX XXXX XXXX  XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
Violation : Unauthorized Credit Inquiry Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX, XXXX, XXXX CAPITAL XXXX AUTO FIN | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized Credit Inquiry Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX, XXXX, XXXX ALLY FINANCIAL C/O GMA | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized Credit Inquiry Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX, XXXX, XXXX ALLY FINANCIAL | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized Credit Inquiry Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

Violation : Inaccurate Personal Information Reporting ( Duplicate entry ) Relevant Law : Fair Credit Reporting Act ( FCRA ) Sections : 607 These violations have had a deeply distressing impact on my financial and emotional well-being. To provide a clear understanding of the repercussions, I feel compelled to share my personal experience. As a result of these inaccuracies, I was recently denied a mortgage approval that I had been diligently working towards for several years. The devastating outcome of this denial has far-reaching consequences, including shattered dreams of providing a stable home for my family. This situation has not only led to immense emotional distress but has also derailed crucial life plans and ambitions. 

In light of these circumstances, I earnestly implore the enforcement of the legal provisions outlined in the Fair Credit Reporting Act. I kindly request that the relevant creditors promptly address the unverified accounts and erroneous information on my credit report. This action is not only vital for my financial recovery but also for restoring my emotional well-being and enabling my family to move forward with renewed hope. 

I deeply appreciate your attention to this matter and your commitment to safeguarding consumer rights. Should you require additional information or documentation to expedite this process, please do not hesitate to contact me. Your dedication to fair and accurate credit reporting practices is immensely valuable, and I place my trust in your ability to resolve this matter appropriately. 

Thank you for your understanding and assistance. 

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