Consumer complaint received 2023-08-17
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 XXXX, Arizona XXXX Date of Birth : XX/XX/1993 SS # : XXXX To Whom It May Concern, I hope this message finds you well. I am writing to formally dispute and address a series of violations of consumer protection laws that have significantly impacted my financial well-being and emotional state. I implore you to enforce the legal rights that have been put in place to safeguard consumers like myself. 

The violations I wish to address are as follows, related to various creditors and accounts : XXXX  XXXX ( Account Number : XXXX ) : Violations : Incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge off listed as open, collection account with a limit. 

XXXX XXXX ( Account XXXX : XXXX ) : Violations : Incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge off listed as open, collection account with a limit. 

XXXX ( Account XXXX : XXXX ) : Violations : Incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge off listed as open, collection account with a limit. 

XXXX  ( Account Number : XXXX ) : Violations : Potentially related to billing errors and incorrect information. 

XXXX XXXX ( Account XXXX : XXXX ) : Violations : Potentially related to billing errors and incorrect information. 

XXXX ( Account XXXX : XXXX ) : Violations : Incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge off listed as open, collection account with a limit. 

XXXX ( Account XXXX : XXXX ) : Violations : Incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge off listed as open, collection account with a limit. 

XXXX XXXX ( Account XXXX : XXXX ) : Violations : Incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge off listed as open, collection account with a limit. 

XXXX XXXX XXXX ( Account XXXX : XXXX ) : Violations : Incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge off listed as open, collection account with a limit. 

These violations have not only tarnished my credit report but have also taken a toll on my emotional well-being. The constant stress, XXXX, and frustration I have experienced due to the inaccuracies and mismanagement of my financial information are immeasurable. I have worked diligently to maintain my financial responsibilities, only to be unfairly burdened by these inaccuracies. 

I plead with you to take decisive action in enforcing the legal rights that have been put in place to protect consumers. I kindly request that the aforementioned creditors be required to promptly investigate and verify the accuracy of the disputed information on my credit report. Moreover, I urge the removal of these unverified accounts from my credit report in order to restore my financial standing and alleviate the emotional distress this situation has caused. 

I appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to a swift resolution that will help restore my financial and emotional well-being. 

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