Consumer complaint received 2023-08-14
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/XXXX SS # : XXXX I am writing to submit a formal dispute regarding multiple violations of consumer protection laws that have significantly impacted my financial well-being and emotional state. The violations relate to various provisions within the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTACT ), and other relevant statutes. I kindly request your intervention to enforce my legal rights and seek resolution of the following violations : FCRA Violations- XXXX XXXX ( Account Number : XXXX ) : I am deeply concerned about the inclusion of this account on my credit report, as both the account name and number are questionable. Despite my efforts to clarify this information, it remains unresolved. The inaccuracies in reporting by XXXX XXXX have not only affected my credit score but have also caused severe distress as I grapple with the uncertainty and lack of resolution. 

FCRA Violations - XXXX XXXX ( Account Number : XXXX ) : The inclusion of this unfamiliar account on my credit report has left me puzzled and distressed. Despite my attempts to verify its legitimacy, I have been unable to recognize this business or establish a connection to this account. This situation has added an unnecessary burden to my life as I navigate the confusion and anxiety caused by this inaccurate reporting. 

FACTACT Violation - Unauthorized Inquiry by XXXX XXXX XXXX ( Date : XX/XX/XXXX ) : I have no recollection of providing consent for the credit inquiry conducted by XXXX XXXX XXXX on the specified date. This unauthorized inquiry has not only infringed upon my privacy but has also contributed to the emotional distress I have experienced due to the lack of control over my personal information. 

FCRA Violations - XXXX XXXX ( Account Number : XXXX ) : Similar to the aforementioned violation, the account information provided by XXXX XXXX raises concerns about accuracy and verifiability. The lack of transparency and resolution has been a constant source of anxiety and frustration as I strive to maintain a fair and accurate credit profile. 

FCRA Violations - XXXX XXXX ( Account Number : XXXX ) : The inclusion of this unidentified account on my credit report continues to be a cause of distress and confusion. The lack of clarity surrounding this account has not only affected my financial reputation but has also taken a toll on my mental well-being as I struggle to comprehend and address this issue. 

FCRA Violations - Incorrect Personal Information ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) : The erroneous reporting of a previous address has added to the emotional turmoil caused by these violations. The inaccurate information has led to concerns about the security of my personal data and the potential impact on my financial stability. 

FCRA Violations - Incorrect Personal Information ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) : Similarly, the inclusion of another incorrect previous address has compounded my distress and uncertainty. The ongoing inaccuracies in reporting have disrupted my ability to maintain accurate personal records and have deepened the emotional toll of this ordeal. 

I urge the Consumer Financial Protection Bureau to enforce the legal protections afforded to consumers under the mentioned laws and take decisive action to address these violations. The emotional and financial toll that these inaccuracies have taken on my life can not be overstated. As a result of these violations, I have experienced sleepless nights, heightened anxiety, and a constant feeling of helplessness. The impact has extended to my relationships, my work, and my overall quality of life. 

In light of the violations outlined above, I kindly request the following remedies : Immediate removal of the unverified and inaccurate accounts ( XXXX XXXX and XXXX XXXX ) from my credit report. 
Thorough investigation and removal of the unauthorized credit inquiry by XXXX XXXX XXXX. 
Correction of the incorrect personal information ( previous addresses ) to ensure accurate reporting. 
I appreciate your attention to this matter and your commitment to upholding consumer rights. I look forward to your prompt resolution of these violations and a return to financial stability and emotional well-being. 

Please feel free to contact me at [ your phone number ] or [ your email address ] should you require any further information or clarification. Thank you for your assistance in this critical matter. 

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