Consumer complaint received 2023-08-16
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, Arizona XXXX Date of Birth : XX/XX/1957 SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute and request a thorough investigation into the inaccuracies present on my credit report. I believe that the following violations of federal law have occurred : Violation of Fair Credit Reporting Act ( FCRA ) - Accuracy and Completeness ( Section 607, 15 U.S.C. 1681e ( a ) ) Incorrect Personal Information - Current Address Incorrect Personal Information - Previous Address Erroneous Bankruptcy Entry Questionable Account - XXXX XXXX ( Account Number : XXXX ) Questionable Account - XXXX XXXX ( Account Number : XXXX ) Unrecognized Account - XXXX XXXXXXXX ( Account Number : XXXX ) These inaccuracies have significantly impacted my life, causing undue stress and hindering my ability to secure favorable financial opportunities. Allow me to share a deeply personal account of how these issues have affected me : Over the past several years, I have diligently worked to establish a stable financial future for myself and my family. However, the presence of these inaccuracies on my credit report has cast a cloud of uncertainty over my efforts. As a result of these errors, I have been denied opportunities to secure affordable loans for important life milestones, such as purchasing a home or financing my child 's education. 

The incorrect address listings have led to misunderstandings in my financial dealings, causing delays and miscommunications that have led to lost opportunities. The inclusion of erroneous bankruptcy entries and questionable accounts has further exacerbated the situation, making it incredibly challenging for me to regain control over my financial well-being. 

I must emphasize that I am not the owner of the bankruptcy case listed under Case Number XXXX or XXXX. Additionally, the accounts listed under XXXX XXXX ( Account Numbers : XXXX and XXXX ) and XXXX XXXX XXXX ( Account Number : XXXX ) raise valid concerns about the accuracy and legitimacy of the reported information. 

Given the tremendous emotional toll these inaccuracies have taken on my life, I implore you to enforce the legal protections afforded to consumers by diligently investigating and rectifying these violations. I kindly request that the credit reporting agencies promptly remove the aforementioned unverified accounts from my credit report to ensure that my financial history is an accurate representation of my actions and responsibilities. 

I eagerly anticipate your investigation and resolution of these issues, which have taken a significant toll on my life and financial prospects. I remain committed to working toward a better future for myself and my loved ones, and I believe that your intervention will play a pivotal role in achieving this goal. 

Thank you for your time and attention to this matter. I look forward to receiving updates on the progress of your investigation. 

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