Consumer complaint received 2023-08-23
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a matter of utmost importance regarding numerous violations of federal laws by several creditors in relation to my credit report. I have taken the time to thoroughly investigate the entries on my credit report and have identified multiple instances where these creditors have violated consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Details of Violations : Unauthorized Inquiries : Several creditors have initiated unauthorized inquiries on my credit report, including : XXXX XXXX XXXX | XX/XX/XXXX : Unauthorized inquiry. 
XXXX XXXX  XX/XX/XXXX : Unauthorized inquiry. 
XXXX | XX/XX/XXXX : Unauthorized inquiry. 
XXXX | XX/XX/XXXX : Unauthorized inquiry. 
XXXX | XX/XX/XXXX : Unauthorized inquiry. 
XXXX XXXX | XX/XX/XXXX : Unauthorized inquiry. 
XXXX XXXX | XX/XX/XXXX : Unauthorized inquiry. 
XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX : Unauthorized inquiry. 
Violation : These inquiries were made without my authorization, raising concerns about potential fraud. 

Inaccurate Reporting and Failure to Update : Creditors have inaccurately reported information and failed to update my credit report, including : XXXX  | Account number : XXXX : Inaccurate reporting and failure to update. 
XXXX | Account number : XXXX : Inaccurate reporting, failure to update, incorrect late payments. 
XXXX | Account number : XXXX : Inaccurate reporting, failure to update, incorrect late payments. 
Violation : These creditors have reported inaccurate and outdated information, negatively affecting my creditworthiness. 

Unverified Accounts : Numerous accounts have been reported on my credit profile without proper verification, including : XXXX XXXX XXXX | Account number : XXXX : Reporting unverified account. 
XXXX  | Account number : XXXX : XXXX unverified account. 
XXXX | XX/XX/XXXX : XXXX unverified account. 
XXXX | Account number : XXXX : Reporting unverified account. 
Violation : These creditors have failed to properly verify accounts before reporting them, a direct violation of my rights under FCRA. 

Personal Impact : These violations have had a profound and detrimental impact on my life. As a hardworking individual who has always strived to maintain a good credit history, I am now faced with challenges that are affecting my ability to secure loans, housing, and even employment. The emotional toll of these violations can not be overstated. Countless nights have been spent in XXXX and frustration, trying to rectify these errors that have been thrust upon me through no fault of my own. The constant fear of identity theft and fraudulent activity has led to a severe erosion of my peace of mind and overall well-being. 

Request for Action : In light of the violations outlined above and the substantial distress they have caused me, I respectfully request the following actions be taken : Enforce the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to rectify the violations committed by the creditors. 

I ask that you share my personal story with the relevant creditors to emphasize the very real and human consequences of their actions. The emotional and financial distress I've experienced due to these violations must be acknowledged. 

I urge the creditors to promptly investigate and remove all unauthorized inquiries, inaccurate reporting, and unverified accounts from my credit report. These corrections are essential to restoring my financial stability and mental well-being. 

I trust that the Consumer Financial Protection Bureau will take swift and decisive action to ensure that my rights are protected and that justice is served. Thank you for your attention to this matter. 

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