Consumer complaint received 2023-08-21
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, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention a series of concerning violations of consumer protection laws committed by various creditors. The violations detailed below have not only adversely affected my financial standing but have also caused significant distress in my personal life. 

Unauthorized Credit Pulls : XXXX ( Account Number : XXXX  ) : On XX/XX/XXXX, an unauthorized credit pull was initiated without my authorization or recollection. 
XXXX ( Account Number : XXXX ) : On XX/XX/XXXX, another unauthorized credit pull was conducted, negatively impacting my credit report. 
XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX  ) : Multiple unauthorized credit pulls occurred on various dates, leading to unwarranted damage to my credit history. 
XXXX XXXX XXXX ( Account Number : XXXX ) : On XX/XX/XXXX and XX/XX/XXXX, additional unauthorized credit inquiries were made, further harming my credit profile. 
XXXX XXXX ( Account Number : XXXX ) : On XX/XX/XXXX, another unauthorized credit pull further exacerbated the situation. 
These unauthorized inquiries have not only compromised my privacy but have also negatively impacted my credit score, causing difficulties in securing favorable financial opportunities. 

Relevant Laws Violated : Fair Credit Reporting Act ( FCRA ) - Section 604 ( a ) ( 3 ) ( F ) Inaccurate Reporting of Accounts : XXXX XXXX XXXX ( Account Number : XXXX, XXXX, XXXX ) : These accounts have inaccurately been reported as being paid late, tarnishing my otherwise strong payment history. 
XXXX ( Account Numbers : XXXX, XXXX ) : These accounts have been inaccurately reported as having late payments, which is not reflective of my responsible payment behavior. 
XXXX XXXX ( Account Number : XXXX ) : The questionable account name and number have caused confusion and distress, impacting my credit reputation. 
Relevant Laws Violated : Fair Credit Reporting Act ( FCRA ) - Sections 623 ( a ) ( 2 ), 623 ( a ) ( 8 ) Failure to Verify Debt : XXXX XXXX XXXX ( Account Number : XXXX ) : This account, belonging to a business I can not recognize, has been reported without proper verification, damaging my credit standing. 
Relevant Laws Violated : Fair Debt Collection Practices Act ( FDCPA ) - Section 809 ( b ) Reporting Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX : These incorrect addresses have been associated with my credit report, causing confusion and inaccuracies. 
Relevant Laws Violated : Fair Credit Reporting Act ( FCRA ) - Sections 604 ( a ) ( 3 ) ( B ), 611 ( a ) These violations have taken an emotional toll on my life. The stress and frustration caused by the inaccuracies and unauthorized activities have impacted my mental well-being. Additionally, these violations have hindered my ability to secure favorable credit terms, impacting my financial stability and future opportunities. 

In light of these violations, I urge you to take prompt action to enforce the relevant consumer protection laws and ensure that these creditors adhere to their legal obligations. Specifically, I request that the unverified accounts listed above be immediately removed from my credit report to rectify the harm caused and to allow me to rebuild my financial standing. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and help restore the integrity of my credit report. I look forward to a swift resolution and appreciate your assistance in this regard. 

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