Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: WA
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, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute several violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my life and financial well-being. I kindly request your assistance in enforcing the applicable laws and seeking resolution to these unjust circumstances. 



Details of the Violations : Violation : Inaccurate Reporting of Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Violation : Inaccurate Reporting of Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Violation : Inaccurate Reporting of Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XX/XX/XXXX Violation : Inaccurate Reporting of Personal Information Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Violation : Inaccurate Reporting of Account Status or Payment History Creditor : XXXX XXXX XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Violation : Account Not Recognized or Verified Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 



Violation : Account Not Recognized or Verified Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 



Violation : Account Not Recognized or Verified Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 



Violation : Account Not Recognized or Verified Creditor : XXXX XXXX XXXX  CHECKING Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 



Violation : Account Not Recognized or Verified Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 



Violation : Account Not Recognized or Verified Creditor : XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 



Violation : Inaccurate Reporting of Account Status or Payment History Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Violation : Account Not Recognized or Verified Creditor : XXXX XXXX Account Number : XXXX Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 



Violation : Inaccurate Reporting of Account Status or Payment History Creditor : XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Personal Impact : These inaccuracies and unverified accounts on my credit report have had a profound impact on my life. As a result of these erroneous entries, I have faced numerous challenges in securing loans, obtaining reasonable interest rates, and even finding suitable housing. The stress and emotional toll caused by the constant fear of rejection and financial instability have been overwhelming. Additionally, these errors have hindered my ability to provide financial security for my family and pursue essential life goals. 



Request : In light of the violations of the Fair Credit Reporting Act ( FCRA ) outlined above, I kindly request the following actions : Conduct a thorough investigation into each reported violation and ensure that my credit report accurately reflects my financial history and personal information. 



Enforce the relevant provisions of the FCRA to hold the creditors accountable for their non-compliance with the law. 



Instruct the creditors to promptly remove all unverified accounts from my credit report, as these entries are tarnishing my creditworthiness and overall financial standing. 



Conclusion : I am reaching out to the Consumer Financial Protection Bureau with the hope that you will take swift and decisive action to rectify these violations. Your intervention will not only bring relief to my current situation but also safeguard the rights and financial well-being of countless other consumers facing similar challenges. 



Please consider the emotional toll and stress that these inaccuracies have imposed on me and take the necessary steps to ensure a fair and just resolution. I am eager to regain my financial stability and peace of mind, and I sincerely appreciate your attention to this matter. 



Thank you for your prompt attention to this important matter. 



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