Consumer complaint received 2023-08-17
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I hope this letter finds you well. I am writing to lodge a formal dispute against multiple creditors for their violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). It has become imperative for me to seek your assistance in enforcing these laws and rectifying the wrongs that have severely impacted my financial and emotional well-being. 

I find myself in a distressing situation where my rights as a consumer have been consistently disregarded. To provide a deeper understanding of my plight, let me share a personal story of how these violations have significantly affected my life. 

Over the past few years, I have worked diligently to maintain a good credit history. However, I discovered unauthorized inquiries on my credit report from various creditors. These unauthorized inquiries include those by XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. Each unauthorized inquiry has left me feeling violated and powerless, as my personal information was accessed without my consent. These actions have caused immense stress and XXXX, negatively impacting my mental health and overall quality of life. 

Furthermore, I have experienced the inaccurate reporting of personal information on my credit report. XXXX XXXX and XXXX XXXX XXXX have reported incorrect addresses, which has led to confusion and hindered my ability to access credit and financial services. I have diligently attempted to rectify these errors, but my efforts have been in vain, leaving me frustrated and disheartened. 

To compound my struggles, I have discovered that XXXX XXXX XXXX has reported an account ( Account Number : XXXX ) to my credit report without my permission. This unauthorized reporting has tarnished my credit history, making it even more difficult for me to secure loans and financial opportunities. I never provided consent for this account to be reported, and yet its presence continues to haunt my financial standing. 

Given the magnitude of these violations, I implore the Consumer Financial Protection Bureau to enforce the laws designed to protect consumers like me. I request that you thoroughly investigate these creditors ' actions and hold them accountable for their violations. I am seeking justice and resolution, as these violations have taken a toll on my emotional well-being and financial stability. 

In light of the above, I kindly request that you intervene and ensure that the following actions are taken : Conduct a comprehensive investigation into the unauthorized inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
Rectify the inaccurate personal information reported by XXXX XXXX and XXXX XXXX XXXX on my credit report. 
Remove the unauthorized account ( Account Number : XXXX ) reported by XXXX XXXX XXXX from my credit report. 
I trust that the Consumer Financial Protection Bureau will advocate for justice and ensure that consumer rights are upheld. Your intervention is crucial in restoring my peace of mind and rectifying the financial and emotional turmoil I have endured. 

Thank you for your attention to this matter. I eagerly await your response and hope for a swift 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