Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXXDear Sir/Madam, I am writing to formally dispute and request the enforcement of my legal rights concerning the inaccurate and unauthorized information currently present on my credit report. I have diligently reviewed my credit report and have identified multiple violations that have severely impacted my financial well-being and overall quality of life. 

The violations I wish to address pertain to the following creditors and account numbers : 1. XXXX XXXX - Account Number : XXXX Please correct/update this inaccurate information on my credit report. 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 : ** XXXX XXXX ( FCRA XXXX XXXX, XXXX ) - **Explanation : ** Despite my unwavering commitment to timely payments, my credit report contains inaccurate information that has unfairly tarnished my creditworthiness. This misinformation is significantly affecting my ability to secure loans and financial opportunities. 

2. XXXX XXXX - Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 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 : ** Inaccurate Reporting ( FCRA Section 611, 623 ) - **Explanation : ** My credit history with XXXX XXXX has been erroneously reported as having late payments, which is a gross misrepresentation of my financial responsibility. This misleading reporting has created undue stress and hindered my ability to achieve essential life milestones. 

3. *XX/XX/XXXX - Account Number : XXXX Please correct/update this inaccurate information on my credit report. 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 : ** Inaccurate Reporting ( FCRA Section 611, 623 ) - **Explanation : ** The inaccurate reporting of my XXXX account 's payment history has led to an unjustified decrease in my credit score. This is particularly distressing as I have consistently honored my financial obligations and relied on my credit for essential needs. 

4. XXXX - Unauthorized Inquiry on XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
- **Violation : ** Unauthorized Credit Inquiry ( FCRA Section 604 ) - **Explanation : ** I have no recollection of authorizing a credit inquiry by XXXX on the specified date. The unauthorized inquiry has added an unnecessary layer of uncertainty to my financial security. 

5. XXXX XXXX - Account Number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
- **Violation : ** Unspecified ( Potentially FCRA Section 611, 623 ) - **Explanation : ** The presence of this questionable account on my credit report has raised concerns about the accuracy and legitimacy of the information. Without clarity, my financial credibility is undermined. 

6. XXXX - Unauthorized Inquiry on XXXX N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
- **Violation : ** Unauthorized Credit Inquiry ( FCRA Section 604 ) - **Explanation : ** Another unauthorized credit inquiry, this time by XXXX, has further eroded my confidence in the security of my financial information. 

7. XXXX - Unauthorized Inquiry on XXXX N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
- **Violation : ** Unauthorized Credit Inquiry ( FCRA Section 604 ) - **Explanation : ** Once again, an unauthorized inquiry by XXXX raises questions about the security of my personal and financial data. 

I understand the importance of factual and accurate credit reporting, as it plays an instrumental role in determining financial opportunities. These violations have had a profound impact on my life. As a [ profession/hobby ], I have strived to build a stable future for my family. However, the constant worry and stress resulting from these inaccuracies have taken a toll on my emotional well-being and overall health. 

In light of these violations and the negative consequences they have imposed on my life, I am requesting the following actions : 1. Immediate correction of the inaccurate information associated with the aforementioned creditors. 
2. Removal of the unauthorized inquiries from my credit report. 
3. Verification and validation of any accounts that lack clear information. 
4. A comprehensive review and enforcement of the legal rights afforded to me under the relevant consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 

I implore you to consider the personal and emotional toll these violations have exacted on my life. I respectfully request your intervention to rectify these issues promptly and restore my financial integrity. I believe that by addressing these violations and removing the inaccurate and unauthorized information, I can begin the journey toward rebuilding my credit and securing a better future for myself and my loved ones. 

Thank you for your attention to this matter. I look forward to a swift resolution that brings me the justice and relief I rightfully deserve. 

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