Consumer complaint received 2023-07-23
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute with the Consumer Financial Protection Bureau regarding several violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors. I respectfully request the enforcement of applicable laws to rectify these injustices and safeguard the rights of consumers like myself. 



In the pursuit of accurate and fair credit reporting, I have recently discovered several unauthorized inquiries and unverified accounts on my credit report. These inaccuracies have had a profoundly negative impact on my life, affecting my financial well-being, opportunities, and peace of mind.

One significant violation involves an unauthorized inquiry conducted by XXXX XXXX on XX/XX/XXXX. To my knowledge, I did not grant permission for this credit pull, and I demand its immediate removal. FCRA Section 1681b clearly outlines the permissible purposes for obtaining consumer credit reports, and any inquiry made without proper authorization is a breach of consumer protection rights. 



Moreover, I found additional unauthorized inquiries from XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Each of these inquiries was conducted without my consent, infringing on my right to control access to my credit information. According to FCRA Section 1681b, these actions are in direct violation of the law. 



Furthermore, I dispute the accuracy and legitimacy of the accounts held with XXXX XXXXXXXX ( Account Number : XXXX ) and XXXX ( Account Number : XXXX ). I have no recollection of these accounts, and it is not possible for me to update accounts that I do not recall ever belonging to me. I implore the immediate removal of these unverified accounts from my credit report. 



Additionally, I raise concern about the UNVERIFIED account held with XXXX ( Account Number : XXXX ). To the best of my knowledge, this account has never been paid late, and its inaccurate reporting is severely impacting my creditworthiness. Under FCRA Section 1681e, credit reporting agencies are obligated to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. The failure to do so in this case constitutes a clear violation. 



Lastly, I have discovered another unauthorized inquiry on XX/XX/XXXX, which was conducted without my consent. According to FCRA Section 1681b, I have the right to authorize or deny access to my credit report, and this inquiry was not authorized by me. Therefore, I insist on the immediate removal of this inquiry from my credit file. 



These violations have created an emotional burden, causing stress, XXXX, and XXXX  nights as I strive to rectify inaccuracies on my credit report. My dreams of securing a mortgage for a home, providing a stable future for my family, and pursuing meaningful opportunities have been impeded by these unjust actions. 



In light of the violations committed, I urge the Consumer Financial Protection Bureau to take immediate action to enforce the relevant provisions of the Fair Credit Reporting Act. I humbly request that you investigate these matters thoroughly and compel the creditors responsible for these inaccuracies to remove the unauthorized inquiries and unverified accounts from my credit report. 



I appreciate your attention to this matter and thank you for your dedication to safeguarding consumer rights. I trust that your efforts will bring about a fair and just resolution, restoring the accuracy and integrity of my credit report. 



Please find attached copies of supporting documents and evidence to assist in your investigation. 



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