Consumer complaint received 2023-08-15
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 Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to raise a formal dispute and seek assistance in addressing a deeply distressing issue that has significantly impacted my financial well-being and overall quality of life. I am a firm believer in the justice and protection that our legal system provides, and I implore the Consumer Financial Protection Bureau ( CFPB ) to help me enforce my legal rights against the numerous violations I have faced in the realm of credit reporting. 

For years, I have endured the burden of inaccurate and unauthorized information appearing on my credit reports, tarnishing my financial reputation and causing profound emotional distress. I believe these issues directly contravene multiple provisions of the Fair Credit Reporting Act ( FCRA ), which safeguards the accuracy, fairness, and privacy of consumer credit information. 

Inaccurate Reporting Violations : The following accounts are marred by erroneous information, inaccurately reflecting my credit history : Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Unauthorized Inquiry Violations : In addition to the inaccuracies above, there have been unwarranted inquiries that have further exacerbated my predicament : Unauthorized Inquiry by CERTIFIED Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry by XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry by XXXX Date of Inquiry : XX/XX/XXXX Incorrect Personal Information Violations : Further compounding my distress, there have been instances of incorrect personal information being reported : Previous Address : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX This address is not correct and must be rectified or removed. 

Previous Address : XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX This address is also not accurate and must be rectified or removed. 

I can not stress enough the emotional toll this has taken on my life. These inaccuracies have prevented me from obtaining fair interest rates on loans, securing suitable housing, and achieving the financial stability I strive for. Each time I've been denied an opportunity due to these violations, it's as if the injustice is compounding. 

I implore the CFPB to use its authority to intervene and enforce the legal protections that exist to shield consumers from such violations. I ask that you review these incidents closely, considering not only the legal implications but also the personal devastation they have caused. I want to stress that I'm not just fighting for my financial rights ; I'm fighting for my dignity and peace of mind. 

Therefore, I kindly request that the concerned creditors, as a means of remedying these violations, promptly correct or remove the inaccurate account information from my credit report. Additionally, I urge them to cease the unauthorized inquiries and rectify the incorrect personal information that has further exacerbated my ordeal. 

I am hopeful that the CFPB will lend its expertise and advocacy to ensure that justice is served and that I can finally regain control over my financial narrative. Your intervention will be instrumental in alleviating my hardships and restoring my faith in the fairness of our financial systems. 

I look forward to a resolution that truly reflects the principles of equity, accuracy, and justice that the law so valiantly upholds. 

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