Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: NE
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, NE XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you today to formally dispute and address several violations that have significantly impacted my financial well-being. I am seeking your assistance in enforcing my legal rights under various consumer protection laws and regulations. My goal in reaching out to the Consumer Financial Protection Bureau ( CFPB ) is to rectify the unjust and detrimental effects that the violations have had on my credit report and overall financial stability. 

Over the course of the past months, I have become aware of numerous inaccuracies, questionable accounts, and unauthorized credit inquiries on my credit report. These discrepancies have arisen from actions taken by various creditors, who have reported inaccurate, unverified, and unauthorized information to the credit reporting agencies. The violations I wish to bring to your attention are as follows : 1. **Inaccurate Reporting and Failure to Correct : ** Numerous creditors have reported inaccurate payment history and account information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). This inaccurate reporting has detrimentally affected my creditworthiness, impacting my ability to secure favorable financing and loans. 

- XXXX : Account number XXXX - XXXX XXXX : Account number XXXX - XXXX XXXX : Account number XXXX - XXXX : Account number XXXX - XXXX : Account number XXXX - XXXX XXXX : Account number XXXX 2. **Unauthorized Credit Pulls : ** I have also identified instances where credit pulls were conducted without my authorization, in violation of the FCRA , Section 604 ( a ) ( 3 ) ( F ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ). These unauthorized credit inquiries have caused unwarranted damage to my credit profile and raise concerns about the security of my personal information. 

- XXXX | XX/XX/XXXX - XXXX : Account number XXXX - XXXX XXXX | XX/XX/XXXX - XXXX XXXX | XX/XX/XXXX - XXXX | XX/XX/XXXX - XXXX XXXX | XX/XX/XXXX - XXXX XXXX | XX/XX/XXXX 3. **Failure to Correct Personal Information : ** Notably, inaccurate personal information, including incorrect addresses, has been reported on my credit report, in violation of the FCRA , Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ). This misinformation further compounds the detrimental impact on my creditworthiness. 

- XXXX XXXX XXXX XXXX XXXX NE XXXX - XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX These violations have been emotionally distressing and have had far-reaching effects on my life. The inaccuracies in my credit report have directly impacted my ability to secure affordable housing, obtain favorable interest rates, and achieve my financial goals. The distress caused by these violations extends beyond financial concerns, affecting my mental well-being and overall quality of life. I am determined to rectify these violations and restore the accuracy and integrity of my credit report. 

In light of the aforementioned violations, I am requesting the following actions be taken : 1. A thorough investigation into the inaccuracies and violations detailed in this dispute. 
2. Enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws.

3. Verification and validation of the disputed accounts and inquiries, as well as their immediate removal if found to be unverified or unauthorized. 
4. Prompt correction of inaccurate personal information, including incorrect addresses, to prevent further harm to my credit profile. 

I implore the CFPB to take decisive action in addressing these violations and ensuring that my rights as a consumer are protected. These violations have caused undue distress and have taken a toll on my personal and financial well-being. I am seeking resolution that will not only rectify the damage done but also prevent such violations from occurring in the future. 

I kindly request that you keep me updated on the progress of this dispute and the actions taken by the relevant creditors and credit reporting agencies. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and assistance in addressing these violations. 

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