Consumer complaint received 2023-08-16
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 XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my financial well-being and emotional state. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal rights granted under the FCRA and to facilitate the removal of unverified and inaccurate accounts from my credit report. 

For years, my life has been deeply affected by the inaccuracies and violations perpetrated by various creditors, all of which are meticulously documented below : XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/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 Account Number : XXXXXXXX XXXX XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Violation : Unauthorized Inquiry under FCRA XXXX XXXX Date of Inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Personal Information under FCRA, 605B XXXX XXXX  XXXX XXXX XXXX Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX The stress and anxiety caused by these violations have taken a significant toll on my mental and emotional health. The inaccuracies in my credit report have unjustly hindered my ability to secure loans, obtain housing, and pursue opportunities critical to improving my quality of life. These violations have plunged me into a cycle of despair, further exacerbated by the financial difficulties I have faced as a result. 

I beseech the CFPB to take immediate action to rectify these violations and enforce my legal rights as a consumer. I request that you facilitate the removal of these unverified and inaccurate accounts from my credit report, thereby granting me the opportunity to rebuild my financial standing and regain control of my life. 

Enclosed with this letter is evidence supporting the violations I have outlined. I kindly ask for your swift response and resolution to this matter, and I am willing to provide any additional information necessary for your investigation. 

Thank you for your attention to this urgent matter. I look forward to a positive resolution that can restore my faith in the consumer protection system. 

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