Consumer complaint received 2023-08-18
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 Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information contained in my credit report and to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Act ( CFPA ), as well as any relevant state-specific consumer protection laws. The violations I have identified have significantly impacted my financial well-being, causing undue stress and hardship in my life. 

XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX would like to share a personal story of how these violations have severely affected my life. As a hardworking individual striving to secure a stable financial future, I have meticulously managed my financial responsibilities. However, the appearance of unauthorized and unverified accounts on my credit report has led to significant emotional distress. This distress has been exacerbated by my inability to secure favorable lending terms, rent desirable housing, and even secure suitable employment opportunities. 

The emotional toll of this situation can not be overstated. The constant worry about my financial standing has strained relationships and affected my overall well-being. The uncertainty and frustration I experience daily are a direct result of the violations committed by creditors who have failed to uphold the standards set forth in consumer protection laws. 

Request for Resolution : In light of the aforementioned violations, I kindly request your intervention to enforce my legal rights. Specifically, I urge you to ensure that the creditors responsible for the unverified accounts promptly remove these items from my credit report. I believe that by addressing these inaccuracies, my credit report will accurately reflect my financial history and allow me to regain the stability that has been taken away from me. 

Conclusion : I appreciate your attention to this matter and your commitment to upholding consumer rights. I kindly request that you take immediate action to rectify the violations I have outlined and enforce the legal protections that are in place to safeguard consumers like myself. Your assistance in this matter would go a long way toward restoring my financial security and emotional well-being. 

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