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 raise a matter of grave concern regarding multiple violations of consumer protection laws that have had a profound impact on my financial well-being and emotional state. The violations pertain to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I kindly ask for your intervention and assistance in enforcing my legal rights to rectify these violations. 

I have recently discovered a series of inaccuracies and unauthorized inquiries on my credit report, committed by various creditors. The violations are as follows : FCRA Violations : In the case of account with XXXX ( Account Number : XXXX ), the accounts name and number remain questionable, casting doubt on its authenticity. 
FACTA Violations : 2. Unauthorized inquiries from XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively, without my consent. 

FACTA and FCRA Violations : 22. An account with XXXX ( Account Number : XXXX ) has been listed without adequate verification, causing undue stress and concern. 

XXXX XXXX ( Account Number : XXXX ) has been reported inaccurately as late, tarnishing my credit history and causing undue financial hardship. 
Emotional Impact : These violations have caused not only financial distress but also immense emotional turmoil. The weight of these inaccuracies and unauthorized inquiries has been emotionally crippling, affecting my overall quality of life. They have derailed my financial goals, causing sleepless nights, and leaving me questioning my ability to secure a stable financial future for my family and me. 

It is with a heavy heart that I share a personal story that underscores the profound impact of these violations. My family and I have been working tirelessly to overcome financial challenges and provide a safe environment for our children. However, these violations have shattered our sense of security and left us feeling powerless in the face of an unjust system. 

Request for Action : In light of these violations, I kindly request that the creditors responsible for these actions take immediate action to rectify the situation. Specifically, I urge them to remove the unverified accounts and inquiries from my credit report and provide confirmation of their compliance. This step would not only help restore my financial integrity but also offer some semblance of peace to my family and me. 

I implore the Consumer Financial Protection Bureau to enforce the laws that were put in place to safeguard consumers like me. Your assistance in ensuring that my rights are upheld and that these violations are rectified would mean the world to my family and me. 

Thank you for your time, attention, and understanding. I look forward to a swift resolution to this matter and the restoration of my financial dignity. 

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