Consumer complaint received 2023-08-15
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and bring to your attention multiple violations of consumer protection laws that have had a profound impact on my life. I am requesting your assistance in enforcing my legal rights and ensuring the proper resolution of the issues detailed below. 

I have been facing distressing challenges due to the violations committed by several creditors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), and other pertinent consumer protection laws. The violations include unauthorized inquiries, inaccurate reporting of personal information, and the inclusion of unverified accounts on my credit report. 

Violation 1 : Unauthorized Inquiries Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Despite my explicit lack of consent, these creditors made unauthorized inquiries on my credit report. These actions not only infringe on my privacy but also create unwarranted negative impacts on my creditworthiness. Such practices not only disregard the protections provided by the FCRA but also place me in a state of financial uncertainty and emotional distress. 

Violation 2 : Reporting of Inaccurate Personal Information Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The erroneous reporting of my personal addresses has further compounded the challenges I am facing. Such inaccuracies not only impede my ability to manage my financial affairs but also cause confusion and frustration. These incorrect records have led to unnecessary complications in my daily life, including difficulties in accessing critical services and ensuring my identity is secure. 

Violation 3 : Inclusion of Unverified Accounts Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These creditors have included unverified accounts on my credit report, demanding my immediate attention and resolution. The uncertainty surrounding these accounts has not only affected my financial stability but has also taken a considerable toll on my emotional well-being. This situation has hindered my ability to secure essential financial services and plan for my future. 

As a consumer who strives to uphold their financial responsibilities, these violations have caused tremendous emotional distress and created obstacles that are unjust and unwarranted. The XXXX  frustration, and helplessness I have experienced can not be understated. It has impacted my peace of mind, my financial plans, and my overall quality of life. 

In light of the aforementioned violations and their severe consequences, I kindly request your assistance in ensuring the following actions are taken : Investigate and Enforce Legal Compliance : I request a thorough investigation into the violations committed by the creditors outlined above. Enforce the provisions of the FCRA, FDCPA, FACTA, and other relevant consumer protection laws to hold these creditors accountable for their actions. 

Removal of Unverified Accounts : I urge you to compel the creditors to promptly remove the unverified accounts from my credit report. These unverified accounts are tarnishing my credit history and creating unjust hurdles in my financial journey. 

In conclusion, I implore you to consider the emotional distress and financial burden I have endured due to these violations. Your intervention is essential in ensuring that my rights as a consumer are upheld and that justice is served. I am confident in the Consumer Financial Protection Bureau 's commitment to safeguarding consumer interests and promoting fair and transparent practices within the financial industry. 

Thank you for your attention to this matter. I eagerly await your response and the resolution of these pressing issues. 

Sincerely, XXXX 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