Consumer complaint received 2023-08-15
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to bring to your attention a series of grave violations of consumer protection laws that have significantly impacted my financial well-being and emotional state. After careful examination of the details, I strongly believe that my rights under the following laws have been blatantly disregarded : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I kindly request your immediate intervention to enforce these laws and rectify the damages inflicted upon me. The violations are outlined below, each accompanied by a personal account of how they have significantly impacted my life : Unverified Credit Reporting by Creditors : The following accounts are listed on my credit report with questionable information : XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ). These unverified entries have cast a shadow on my creditworthiness, hindering my ability to secure favorable financial opportunities. 

Personal Impact : This situation has left me feeling powerless and defeated. I've had to put important life decisions on hold, such as purchasing a home or pursuing higher education, due to the unjust damage these entries have caused to my credit profile. 

Unauthorized Credit Inquiries : Unauthorized inquiries by XXXX XXXX ( Date : XX/XX/XXXX ), XXXX XXXX  ( Date : XX/XX/XXXX ), XXXX XXXX ( Dates : XX/XX/XXXX and XX/XX/XXXX ) have been made on my credit report without my consent. These unauthorized actions have further worsened my financial vulnerability. 

Personal Impact : The relentless intrusion into my credit history without my knowledge has left me feeling violated and betrayed. The stress and XXXX  caused by these unauthorized inquiries have taken a toll on my mental and emotional well-being. 

Inaccurate Personal Information : Incorrect personal information including previous addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX and XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX on my credit report have further exacerbated the distress caused by the aforementioned violations. 

Personal Impact : These inaccuracies have led to confusion and potential identity-related concerns. The misinformation has affected my ability to access essential services and has deepened the sense of frustration I am experiencing. 

In light of the aforementioned violations, I am requesting that the respective creditors immediately remove these unverified accounts from my credit report. These entries have been the source of immense hardship and emotional turmoil. I implore you to consider the emotional weight of these injustices and take strong enforcement actions against the responsible parties. 

Moreover, I beseech your assistance in rectifying the damages caused by these violations. The removal of these entries from my credit report is of paramount importance to restore my financial stability and emotional well-being. 

Thank you for your attention to this matter. I look forward to a prompt resolution and action that upholds the spirit and intent of the consumer protection laws in question. 

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