Consumer complaint received 2023-08-18
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Sir/Madam, I am writing to you as a concerned consumer regarding a recurring issue of violations of the Fair Credit Reporting Act ( FCRA ), which has significantly impacted my financial well-being and personal life. This is the second time I am submitting a complaint, as my initial concerns were not adequately addressed, and the violations persist. 

I would like to bring to your attention the following violations that have been ongoing : Inaccurate Personal Information : Violation : Violations of FCRA Section 607 ( a ) and 611.

Specifics : The inaccurate reporting of my previous addresses, including XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX , has resulted in misleading information being associated with my credit report. 
Unauthorized Inquiries : Violation : Violations of FCRA Section 604 ( a ) ( 3 ) ( B ) and Section 604 ( a ) ( 3 ) ( F ).

Specifics : Unauthorized credit inquiries were conducted by various creditors without my explicit consent, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , XXXX XXXX  XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. These inquiries have negatively impacted my credit score and financial standing.

Disputed Account Information : Violation : Violations of FCRA Section 611 ( a ) ( 5 ) ( A ) and Section 623 ( a ) ( 2 ).

Specifics : Despite my previous dispute, Bank of America 's account number 63 remains on my credit report with questionable and unverified information. This has led to confusion and further damaged my creditworthiness.

These violations have taken a toll on my personal and financial life. Allow me to share my personal story to emphasize the severity of the situation. As a single parent working diligently to provide for my family, my credit score plays a pivotal role in my ability to secure housing, obtain fair lending terms, and secure a stable financial future for my children. The inaccuracies and unauthorized inquiries have led to undue stress, denied opportunities, and financial setbacks that continue to haunt me. For instance, due to the inaccuracies in my credit report, I was denied housing at my preferred location, impacting the quality of life for my children. 

I implore you to enforce the legal protections outlined in the Fair Credit Reporting Act to rectify these violations. I kindly request that you investigate the aforementioned creditors and ensure that the unverified and inaccurate information is promptly removed from my credit report. I believe that my efforts to correct these issues align with the goal of fostering fair and accurate credit reporting practices that protect consumers like myself. 

I appreciate your attention to this matter and the efforts of the Consumer Financial Protection Bureau in safeguarding consumers ' rights. Your intervention is essential in bringing resolution to this distressing situation. 

Thank you for your time and consideration. 

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