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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute and address several egregious violations of consumer protection laws that have had a profound and detrimental impact on my life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), Identity Theft Laws, State Consumer Protection Laws, Bankruptcy Laws, Privacy Laws, and Unfair and Deceptive Trade Practices Laws. These violations have not only affected my financial well-being but have also caused emotional distress and hardship for me and my family. 

I would like to share a personal story that vividly illustrates the extent of the harm caused by these violations. [ Personal Story : Insert a detailed and emotional account of how the inaccurate reporting, unauthorized credit pulls, or other violations have impacted your life. Highlight specific instances, emotional distress, and financial difficulties you have faced as a result. Be sure to provide clear and relatable details that evoke empathy. ] The violations committed by the creditors have left me in a state of constant stress and anxiety. The inaccuracies on my credit report have hindered my ability to secure fair and affordable credit, affecting my pursuit of educational opportunities and even impeding my chances of finding stable housing. The emotional toll of navigating this unjust situation has strained relationships and compounded the hardships my family and I have been enduring. 

Upon reviewing the violations, it is evident that the following creditors have failed to adhere to the laws outlined below : XXXX XXXX XXXX XXXX Violation : Unauthorized Credit Pull ( FCRA ) XXXX - Account number : XXXX : Violation : Inaccurate Account Information ( FCRA ) Federal - Account number : XXXX : Violation : Inaccurate Account Information ( FCRA ) XXXX - Account number : XXXX : Violation : Inaccurate Account Information ( FCRA ) XXXX XXXX XXXX : Violation : Unauthorized Credit Pull ( FCRA ) U.S. Bankruptcy Court - Account number : XXXX XXXX XXXX XXXX Inaccurate Account Information ( Bankruptcy Laws ) XXXX XXXX XXXX  : Violation : Unauthorized Credit Pull ( FCRA ) MOHELA/DOFED - Account number : XXXX : Violation : Inaccurate Reporting ( Late Payment ) ( FCRA ) MOHELA/DOFED - Account number : XXXX : Violation : Inaccurate Reporting ( Late Payment ) ( FCRA ) XXXX/DOFED - Account number : XXXX : Violation : Inaccurate Reporting ( Late Payment ) ( FCRA ) XXXX/DOFED - Account number : XXXX : Violation : Inaccurate Reporting ( Late Payment ) ( FCRA ) XXXX XXXX XXXX XXXX XXXX : Violation : Unauthorized Credit Pull ( FCRA ) KOHLS/CAPONE - Account number : XXXX : Violation : Inaccurate Account Information ( FCRA ) XXXX - Account number : XXXX : Violation : Inaccurate Account Information ( FCRA ) XXXX XXXX XXXX XXXX Violation : Unauthorized Credit Pull ( FCRA ) XXXX XXXX XXXX XXXX XXXX Violation : Unauthorized Credit Pull ( FCRA ) XXXX XXXX XXXX XXXX XXXX - Account number : XXXX : Violation : Inaccurate Account Information ( Bankruptcy Laws ) XXXX - Account number XXXX XXXX : Violation : Inaccurate Account Information ( FCRA ) XXXX  - Account number : XXXX : Violation : Inaccurate Account Information ( FCRA ) XXXX XXXX XXXX XXXX Violation : Unauthorized Credit Pull ( FCRA ) XXXX XXXX Account number : XXXX : Violation : Inaccurate Account Information ( FCRA ) XXXX XXXX XXXX XXXX XXXX  : Violation : Unauthorized Credit Pull ( FCRA ) It is my sincere belief that the actions of the aforementioned creditors have not only violated the laws outlined above but have also caused significant harm to my well-being. I kindly request that you investigate these violations thoroughly and take appropriate actions to ensure that my rights are upheld and that the creditors are held accountable for their actions. 

Specifically, I request that the unverified accounts listed above be promptly removed from my credit report. 

I understand the complexity of these matters and the importance of accurate and fair credit reporting. Therefore, I kindly ask for your expertise and assistance in rectifying these violations and restoring my financial well-being. 

Please advise me on the steps I need to take and any additional information you may require to facilitate a thorough investigation into these violations. Your guidance and support in resolving this matter would be greatly appreciated. 

Thank you for your attention to this pressing issue. I eagerly await your response and am hopeful that together, we can achieve a fair and just resolution. 

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