Consumer complaint received 2023-08-16
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal dispute and request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding several violations that have had a profound and detrimental impact on my financial well-being and overall quality of life. I implore your intervention to rectify these injustices and restore my peace of mind. 

As an individual who has always strived to manage my finances responsibly, it is disheartening to find myself in a situation where my creditworthiness is being unfairly compromised due to violations of consumer protection laws. The violations that I am addressing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate Reporting and Failure to Verify I have no recollection of this account and firmly believe it is not mine. Despite my repeated requests, the creditor has failed to provide any verification of my association with this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Improper Reporting and Violation of Dispute Rights This account exhibits multiple inaccuracies and discrepancies, including an incorrect high balance, inaccurate date of last activity, re-aged accounts, and reinsertion without proper notice. I have disputed these inaccuracies, yet they persist on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Unauthorized Inquiry I did not provide consent for this inquiry, and I request its removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Unauthorized Inquiry I did not authorize this inquiry and urge its removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Unauthorized Inquiry I did not provide consent for this inquiry and seek its removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Improper Reporting and Violation of Dispute Rights Similar to previous instances, this account suffers from an incorrect high balance, an inaccurate date of last activity, reaged accounts, and reinsertion without proper notice. My repeated requests for verification have been met with silence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Unauthorized Credit Pull I have no recollection of authorizing this credit pull, and I demand its removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Unauthorized Inquiry I did not provide consent for this inquiry and request its removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Unauthorized Inquiry I did not authorize this inquiry and seek its removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Unauthorized Inquiry I did not provide consent for this inquiry and urge its removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Unauthorized Inquiry I did not authorize this inquiry and request its removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Unauthorized Inquiry I did not provide consent for this inquiry and seek its removal from my credit report. 
Personal Information Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Inaccurate Reporting of Personal Information This inaccurate address information adversely affects my credit report and must be corrected promptly. 
Personal Information Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Inaccurate Reporting of Personal Information This incorrect address information is tarnishing my credit report and necessitates correction. 
Personal Information Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation : Inaccurate Reporting of Personal Information The inclusion of this inaccurate address on my credit report is deeply concerning and requires immediate rectification. 
These violations have not only caused me undue stress but have also hindered my ability to secure favorable financing terms, jeopardizing my personal and professional aspirations. Moreover, they have ignited feelings of frustration, XXXX, and helplessness, impacting not only my financial stability but also my emotional well-being. 

In light of these violations, I implore you to leverage the authority granted by the Consumer Financial Protection Bureau to ensure that these unverified and inaccurate accounts are promptly removed from my credit report. I kindly request a thorough investigation into these matters and urge the creditors to uphold their responsibilities under the law. 

I genuinely appreciate your attention to this matter and your commitment to safeguarding consumer rights. My hope is that through your intervention, these violations will be rectified, and my credit report will be accurately reflective of my financial history. 

Thank you for your time and assistance. 

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