Consumer complaint received 2023-08-16
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 Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to formally dispute multiple violations of consumer protection laws that have deeply affected my financial well-being and overall quality of life. These violations pertain to the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance in ensuring the enforcement of my legal rights. 

To provide context, my experience began with a series of unauthorized credit inquiries that have been made on my credit report by various creditors. I did not provide consent for these inquiries, as evidenced by my records. These unauthorized inquiries have directly impacted my credit score, making it difficult for me to secure favorable loan terms and interest rates. 

Furthermore, I have been plagued by the inaccurate reporting of account information by several creditors. These violations include incorrect high balances, inaccurate dates of last activity, the improper re-aging of accounts, and the reinsertion of negative information without proper notice. This has created a distorted image of my credit history, leading to a cascade of negative consequences in my financial endeavors. 

The repercussions of these violations have taken a toll on my life in ways that are difficult to express. For instance, I recently applied for a mortgage to secure a home for my growing family. Unfortunately, due to the inaccuracies and unauthorized inquiries on my credit report, I was denied the opportunity to provide a stable and nurturing environment for my loved ones. This heart-wrenching experience has not only shattered my dreams but has also left me emotionally drained and disheartened. 

I am reaching out to you in the hope that the Consumer Financial Protection Bureau can assist me in rectifying these violations and advocating for the enforcement of the laws that are in place to protect consumers like myself. I kindly request your support in urging the concerned creditors to remove these unverified and inaccurate accounts from my credit report. 

I am committed to working towards financial stability and securing a better future for my family. However, these violations have hindered my progress and inflicted unnecessary suffering. Your intervention in this matter would not only help alleviate my distress but also reinforce my faith in the consumer protection framework that exists to ensure fairness and transparency in financial transactions. 

Please find below the details of the violations for your reference : Unauthorized Inquiries ( FCRA ) : XXXX  : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
XXXX XXXX : Unauthorized inquiry on XX/XX/XXXX. 
Account Reporting Inaccuracies ( FCRA ) : XXXX XXXX : Inaccurate account information including litigation, incorrect high balance, reaged accounts, and more. Account Number : XXXX. 
XXXX : Inaccurate account information including litigation, incorrect high balance, reaged accounts, and more. Account Numbers : XXXX, XXXX. 
XXXX XXXX : Inaccurate account information including litigation, incorrect high balance, reaged accounts, and more. Account Number : XXXX. 
XXXX : Inaccurate account information including litigation, incorrect high balance, reaged accounts, and more. Account Number : XXXX. 
I humbly request that you investigate these violations thoroughly and guide me in pursuing a resolution. Your expertise and support will be invaluable in helping me regain my financial footing and restoring my hope for a brighter future. I eagerly await your response and any guidance you may provide. 

Thank you for your time and consideration. 

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