Consumer complaint received 2023-08-16
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 XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal dispute with regards to multiple violations of federal laws that pertain to consumer protection and fair credit reporting. The violations have caused significant distress and financial difficulties in my life, and I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to request your assistance in enforcing my legal rights. 

I am writing to bring to your attention a series of violations committed by the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These violations pertain to various federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Unauthorized Inquiry by XXXX ( XX/XX/XXXX ) : Violation : FCRA - Section 604 - Permissible Purposes of Consumer Reports Issues with Account from XXXX XXXX XXXX  ( Account Number : XXXX ) : Violations : FCRA - Sections 607, 623 ; FDCPA - Section 805 ; FACTA - Section 605B Issues with Account from XXXX XXXX ( Account Number : XXXX ) : Violations : FCRA - Sections 607, 623 ; FDCPA - Section 805 ; FACTA - Section 605B Issues with Account from XXXX XXXX XXXX  ( Account Number : XXXX ) : Violations : FCRA - Sections 607, 623 ; FDCPA - Section 805 ; FACTA - Section 605B Unauthorized Inquiry by XXXX ( XX/XX/XXXX ) : Violation : FCRA - Section 604 - Permissible Purposes of Consumer Reports Unauthorized Inquiry by XXXX XXXX  ( XX/XX/XXXX ) : Violation : FCRA - Section 604 - Permissible Purposes of Consumer Reports Unauthorized Inquiry by XXXX XXXX ( XX/XX/XXXX ) : Violation : FCRA - Section 604 - Permissible Purposes of Consumer Reports Unauthorized Inquiry by XXXX XXXX ( XX/XX/XXXX ) : Violation : FCRA - Section 604 - Permissible Purposes of Consumer Reports Unauthorized Inquiry by XXXX XXXX ( XX/XX/XXXX ) : Violation : FCRA - Section 604 - Permissible Purposes of Consumer Reports Issues with Account from XXXX ( Account Number : XXXX ) : Violations : FCRA - Sections 607 , 623 ; FDCPA - Section 805 ; FACTA - Section 605B Unauthorized Inquiry by XXXX ( XX/XX/XXXX ) : Violation : FCRA - Section 604 - Permissible Purposes of Consumer Reports Issues with Account from XXXX XXXX XXXX ( Account Number : XXXX ) : Violations : FCRA - Sections 607 , 623 ; FDCPA - Section 805 ; FACTA - Section 605B Issues with Account from XXXX ( Account Number : XXXX ) : Violations : FCRA - Sections 607, 623 ; FDCPA - Section 805 ; FACTA - Section 605B Issues with Account from XXXX XXXX XXXX  ( Account Number XXXX XXXX XXXX : Violations : FCRA - Sections 607, 623 ; FDCPA - Section 805 ; FACTA - Section 605B Unauthorized Inquiry by XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX Violation : FCRA - Section 604 - Permissible Purposes of Consumer Reports Issues with Account from XXXX XXXX XXXX ( Account Number : XXXX ) : Violations : FCRA - Sections 607, 623 ; FDCPA - Section 805 ; FACTA - Section 605B These violations have had a profound impact on my life, causing immense emotional distress and severe financial repercussions. For instance, due to the inaccuracies and unauthorized inquiries on my credit report, I have faced challenges in securing loans for essential life expenses, such as purchasing a home and funding my education. The financial institutions ' negligence in adhering to the applicable laws has created a continuous cycle of stress and XXXX  for me, as my efforts to rectify the situation have been met with limited success. 

Let me share a personal story that vividly illustrates the extent of the emotional and financial toll these violations have taken on my life. Several months ago, I embarked on the journey of purchasing my dream home, a place where I envisioned building a future for myself and my family. However, the inaccurate and unauthorized information on my credit report led to the denial of my mortgage application. This was not just a financial setback ; it shattered my dreams and left me feeling helpless and defeated. 

The process of rectifying these violations has been overwhelming and emotionally draining. The constant back-and-forth with the creditors and credit reporting agencies has taken a toll on my mental health. I have been burdened with the responsibility of correcting errors that were not of my making, all while struggling to rebuild my financial stability. 

Therefore, I earnestly request the Consumer Financial Protection Bureau 's intervention in enforcing my legal rights and ensuring that these violations are rectified. I kindly request that the aforementioned creditors promptly investigate and remove the unverified and inaccurate accounts from my credit report, as well as any unauthorized inquiries that have been conducted without my consent. 

I would like to thank you in advance for your attention to this matter. Your assistance will not only provide me with the relief I desperately need but will also serve as a beacon of hope for countless others who find themselves in similar situations. 

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