Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: NV
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, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a distressing and deeply impactful matter concerning multiple violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my life and financial well-being. 



I have recently obtained a copy of my credit report and was disheartened to discover several instances of inaccurate and unverifiable information, as well as unauthorized credit inquiries. The violations I have identified, along with the relevant sections of the FCRA, are as follows : Violation : Reporting inaccurate information on the credit report. 



Creditor : XXXX Account XXXX : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Relevant Section : FCRA Section 605 - Requirements relating to information contained in consumer reports. 

Violation : Unauthorized credit inquiry. 



Creditor : XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed. 

Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports. 

Violation : Unauthorized credit inquiry. 



Creditor : XXXX  Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed. 

Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports. 

Violation : Unauthorized credit inquiry. 



Creditor : XXXX XXXX  Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed. 

Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports. 

Violation : Unauthorized credit inquiry. 



Creditor : XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed. 

Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports. 

Violation : Reporting inaccurate or unverifiable account information. 



Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Relevant Section : FCRA Section 611 - XXXX in case of disputed accuracy. 

Violation : Reporting inaccurate account payment history. 



Creditor : XXXX XXXX Account Number : XXXX Sample Reason : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies. 

Violation : XXXX inaccurate or unverifiable account information. 



Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Relevant Section : FCRA Section XXXX - XXXX in case of disputed accuracy. 

Violation : XXXX inaccurate account payment history. 



Creditor : XXXX XXXX Account Number : XXXX Sample Reason : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies. 

Violation : XXXX inaccurate or unverifiable account information. 



Creditor : XXXX Account XXXX : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Relevant Section : FCRA Section XXXX - XXXX in case of disputed accuracy. 

Violation : XXXX inaccurate or unverifiable account information. 



Creditor : XXXX  XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy. 

Violation : XXXX inaccurate or unverifiable account information. 



Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.

Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.

Violation : Reporting inaccurate or unverifiable account information. 



Creditor : XXXX Account XXXX : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.

The impact of these violations on my life has been profound and emotionally distressing. As a responsible consumer, I have worked diligently to maintain a good credit history, making timely payments and managing my financial obligations with care. However, the presence of these inaccuracies and unauthorized inquiries has marred my credit profile and caused undue stress and anxiety. 



XXXX specific example that highlights the gravity of these violations is the reporting of a Chapter XXXX Bankruptcy ( XXXX XXXX : XXXX ) on my credit report, which does not belong to me. This misinformation has led to denials for credit applications, including a recent mortgage application that I have been diligently pursuing to provide a stable home for my family. The emotional toll of facing rejection due to erroneous information is devastating, and it has shattered my dreams of homeownership. 



I firmly believe that my rights under the FCRA have been egregiously violated, and I kindly request the Consumer Financial Protection Bureau to intervene and enforce the provisions of the FCRA to ensure my fair treatment as a consumer. 



To rectify the harm caused by these violations, I implore the creditors involved to promptly remove the inaccurate and unverifiable accounts from my credit report. I seek a thorough investigation into each of the aforementioned violations and request that the credit reporting agencies and furnishers of information take the necessary corrective actions immediately. 



Furthermore, I demand that the credit reporting agencies provide me with a free and updated copy of my credit report, reflecting the accurate and verified information once these issues have been resolved. 



I have attached supporting evidence, including copies of my credit report and any relevant documents, to substantiate my claim and aid in your investigation. 



I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights under the law. I look forward to a swift resolution that will restore the integrity of my credit report and alleviate the emotional distress caused by these violations. 



Thank you for your time and understanding. 



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 non-monetary relief