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, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and address several violations of specific sections of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Unauthorized Credit Inquiry Laws, and Personal Information Protection Laws that have significantly impacted my financial well-being and personal life. I am seeking your assistance in enforcing my legal rights and rectifying the injustices I have faced due to these violations. 

Fair Credit Reporting Act ( FCRA ) Violations : XXXX - Account number : XXXX Violation : Inaccurate Reporting of Credit Information FCRA Sections : Sections 603, 611, 623 XXXX - Account number : XXXX Violation : Inaccurate Reporting of Credit Information FCRA Sections : Sections 603, 611, 623 XXXX XXXX XXXX XXXX  CA XXXX - Account number : Address Violation : Inclusion of Incorrect Personal Information FCRA Sections : Sections XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account number : Address Violation : Inclusion of Incorrect Personal Information FCRA Sections : Sections XXXX, XXXX XXXXXXXX XXXX - Account number : XXXX Violation : Inaccurate Reporting of Credit Information FCRA Sections : Sections 603, 611, 623 XXXX - Account number : XXXX Violation : Inaccurate Reporting of Credit Information FCRA Sections : Sections 603 , 611, 623 Fair Debt Collection Practices Act ( FDCPA ) Violations : XXXX - Account number : XXXX Violation : Providing Incorrect or Misleading Information FDCPA Sections : Section 807 ( Prohibited Acts ), Section 808 ( Unfair Practices ), Section 809 ( Validation of Debts ) Unauthorized Credit Inquiry Laws Violations : XXXX | XX/XX/XXXX - Account number : N/A Violation : Unauthorized Credit Pulls Potential Laws : Various state laws and the FCRA ( Section 604 ) XXXX XXXX XXXX | XX/XX/XXXX - Account number : N/A Violation : Unauthorized Credit Pulls Potential Laws : Various state laws and the FCRA ( Section 604 ) Personal Information Protection Laws Violations : XXXX XXXX XXXX XXXX CA XXXX - Account number : Address Violation : Inclusion of Incorrect Personal Information Personal Information Protection Laws : Various state laws XXXX XXXX XXXX XXXX CA XXXX - Account number : Address Violation : Inclusion of Incorrect Personal Information Personal Information Protection Laws : Various state laws These violations have not only wreaked havoc on my financial health but have also taken a toll on my emotional well-being. The constant stress, uncertainty, and frustration have affected my day-to-day life, causing undue hardship on me and my loved ones. I share a personal story to illustrate the emotional turmoil caused by these violations : [ Share your personal story in detail. Emphasize the emotional impact, the challenges faced due to these violations, and the implications on your overall quality of life. ] In light of the above, I implore the Consumer Financial Protection Bureau to intervene on my behalf and enforce the appropriate legal actions against these creditors who have violated my rights. I request that you ensure the following actions are taken : Immediate Removal of Inaccurate Information : I request that the creditors involved correct the inaccuracies in my credit report and update my payment history to accurately reflect my consistent adherence to payment schedules. 

Removal of Unauthorized Accounts : I urge the removal of unauthorized accounts and credit inquiries, as they have been reported without my consent or knowledge. 

I believe that the enforcement of my rights, as provided by the FCRA, FDCPA, unauthorized credit inquiry laws, and personal information protection laws, is essential to rectify the damage that has been done to my financial standing and personal well-being. 

I appreciate your attention to this matter and your dedication to ensuring fair and accurate credit reporting practices. I kindly request prompt resolution of these violations and the restoration of my financial integrity. 

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 non-monetary relief