Consumer complaint received 2023-08-18
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 Date of Birth : XX/XX/XXXX SS # : XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to submit a formal complaint against several creditors for multiple violations of the Fair Credit Reporting Act ( FCRA ). These violations have had a significant and deeply negative impact on my life, and I am seeking your assistance in enforcing legal actions to address these ongoing issues. 

The violations are as follows : Violation : FCRA - Fair Credit Reporting Act Section : 611 ( a ) ( 1 ) ( A ) Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX 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 : FCRA - Fair Credit Reporting Act Sections : 604 ( a ) ( 3 ) ( F ) and 607 ( b ) Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX This address is not correct. Delete it immediately from my report. 
Violation : FCRA - Fair Credit Reporting Act Section : 607 ( b ) The following personal information is incorrect Address : XXXX XXXX XXXX XXXX, CA XXXX This address is not correct. Delete it immediately from my report. 
Violation : FCRA - Fair Credit Reporting Act Section : 611 ( a ) ( 1 ) ( A ) Please remove it from my credit report. XXXX XXXX Account Number : XXXX 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 : FCRA - Fair Credit Reporting Act Sections : 604 ( a ) ( 3 ) ( F ) and 607 ( b ) Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX This address is not correct. Delete it immediately from my report. 
Violation : FCRA - Fair Credit Reporting Act Section : 611 ( a ) ( 1 ) ( B ) Please correct/update this inaccurate information on my credit report. 
Account Number : XXXX XXXX XXXX XXXX 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. 

The impact of these violations on my life has been overwhelming and distressing. For instance, the unverified accounts have caused my credit score to plummet, making it nearly impossible for me to secure reasonable loan terms, obtain housing, or even secure suitable employment opportunities. This situation has not only caused financial strain but has also taken a severe toll on my emotional well-being. I find myself constantly burdened by the weight of these inaccuracies, which I had no control over. 

Allow me to share a personal story that exemplifies the extent of the distress caused by these violations. Last month, I applied for a mortgage to secure a home for my growing family. Despite my consistent efforts to maintain responsible financial practices, my application was rejected due to the inaccuracies on my credit report. This rejection shattered our dreams of providing a stable and nurturing environment for our children. The disappointment and frustration are indescribable. 

I implore you to take swift and decisive action to enforce the legal provisions outlined in the FCRA. I am kindly requesting that the relevant creditors be held accountable for their actions and be mandated to remove the unverified accounts from my credit report. This action is crucial not only for my financial stability but also for my overall quality of life.

I appreciate your attention to this matter and your dedication to protecting consumer rights. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this issue and take the necessary steps to rectify the violations.

Thank you for your time and consideration. 

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