Consumer complaint received 2023-08-18
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 XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding the violations of the Fair Credit Reporting Act ( FCRA ) by the listed creditors. I appreciate your attention to this matter and kindly request your assistance in rectifying the discrepancies outlined below. I urge you to enforce the legal provisions designed to protect consumers ' rights and to uphold the accuracy and integrity of credit reporting. 

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. 
XXXX 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. 
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 recollection is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
XXXX  | XX/XX/XXXX : Account number : 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. 
XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
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. 
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. 
XXXX XXXX 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. 
XXXX 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. 
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 recollection is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

I implore the Consumer Financial Protection Bureau to take prompt and decisive action to address these violations. I kindly request that you enforce the relevant legal provisions to ensure my rights as a consumer are upheld and that the accuracy of my credit report is restored. Specifically, I urge the listed creditors to remove the unverified accounts from my credit report to prevent further damage to my financial well-being. 

I am grateful for your attention to this matter and look forward to a timely resolution. Please keep me informed of the progress of this dispute and any actions taken to rectify the violations. 

Thank you for your assistance in this important matter. 

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 non-monetary relief