Consumer complaint received 2023-08-21
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 XXXX, Arizona XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to express my deep concern and frustration regarding the inaccurate information that has been reported on my credit report by various creditors. The violations outlined below have not only caused me substantial financial and emotional distress but have also hindered my ability to secure favorable terms for loans and financial arrangements. 

Unauthorized Inquiry - XXXX : On XX/XX/XXXX, I discovered an unauthorized inquiry by XXXX on my credit report. This inquiry was not authorized by me, and it has negatively impacted my credit score. I kindly request the immediate removal of this unauthorized inquiry from my credit report. 

Incorrect Personal Information - NAME : XXXX XXXX XXXX : The presence of incorrect personal information, specifically the name " XXXX XXXX XXXX, '' on my credit report has caused confusion and inaccuracies in my credit history. I urge you to correct this error promptly to reflect my accurate personal information. 

Account Inaccuracies- XXXX XXXX ( Account Number : XXXX ) : The account listed with XXXX XXXX ( Account Number : XXXX ) exhibits multiple inaccuracies, including incorrect high balance reporting, an inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payments, an open charge-off, and a collection account with an arbitrary limit. These errors have unjustly affected my creditworthiness and financial opportunities. I implore you to investigate and rectify these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Inaccuracies- XXXX XXXXXXXX ( Account Number : XXXX ) : Similarly, the account associated with XXXX XXXX ( Account Number : XXXX ) displays similar inaccuracies as mentioned above. These errors have unjustly tarnished my credit history and have hindered my ability to access reasonable credit options. I respectfully request a thorough investigation and the necessary corrections to ensure compliance with FCRA guidelines. 

Account Inaccuracies - XXXX XXXX XXXXXXXX ( Account Number : XXXX ) : The account with XXXX XXXX XXXXXXXX ( Account Number : XXXX ) showcases the same inaccuracies that have plagued my credit report. These errors, if left unaddressed, continue to undermine my financial stability and aspirations. I urgently request a comprehensive review and the appropriate adjustments to restore the integrity of my credit history. 

Furthermore, I would like to share the deeply personal impact these inaccuracies have had on my life. As a single parent striving to secure a stable future for my children, I have encountered numerous obstacles in obtaining suitable housing and securing financing for their education. The emotional distress I have experienced due to these inaccuracies can not be understated. Countless sleepless nights, persistent XXXX and the weight of unjustly tarnished credit have taken a toll on my mental and emotional well-being. 

In light of the violations outlined above, I kindly request the immediate removal of the unverified accounts associated with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX from my credit report. These inaccuracies have perpetuated a cycle of distress that I am determined to overcome, and your intervention in enforcing the legal protections afforded to consumers is paramount to my pursuit of justice. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. I look forward to a swift resolution that brings closure to this distressing chapter in my life. 

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