Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam , I hope this letter finds you well. I am writing to bring to your attention serious concerns I have regarding the inaccurate and unverified information that has been adversely affecting my credit profile. I kindly request your assistance in resolving these matters and enforcing the relevant laws to rectify the violations that have had a profound impact on my financial well-being and personal life. 

1. Inaccurate Reporting of Late Payments : It has come to my attention that several creditors have reported inaccurate late payment information on my credit report, specifically : 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 XXXXXXXX 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  : 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 : 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 : 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 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. 
2. Unverified Debt : There are accounts on my credit report that I can not recognize and that have not been properly verified. These accounts include : XXXX  : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
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. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX. XXXX XXXX : An unauthorized inquiry has appeared on my credit report on XX/XX/XXXX, without my knowledge or consent. This inquiry was made by XXXX XXXX, and I have no recollection of authorizing this credit pull. 

XXXX. Inaccurate Personal Information : My credit report includes incorrect personal information, specifically incorrect addresses : XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

These violations have had a severe impact on my financial health and personal life. To provide you with a deeper understanding of the emotional toll this situation has taken, let me share my personal story : Due to the inaccurate reporting of late payments, my credit score has plummeted. This has hindered my ability to secure reasonable interest rates on loans, causing me to pay substantially more for essentials such as my mortgage and auto loan. As a result, I have been forced to work longer hours and even sacrifice time with my family in order to make ends meet. The stress and anxiety caused by this financial burden have strained my relationships and taken a toll on my overall well-being. 

Furthermore, the inclusion of unverified accounts on my credit report has left me feeling helpless and uncertain about the accuracy of the information being used to judge my financial responsibility. This situation has made me question my own financial literacy and has left me feeling unfairly treated by the credit reporting system. 

In light of these violations, I am earnestly requesting that the Consumer Financial Protection Bureau take action to enforce the relevant laws and regulations. Specifically, I ask that the following measures be taken : Thorough investigation and validation of the accounts mentioned above. 
Correction of inaccurate reporting of late payments. 
Removal of unverified accounts from my credit report. 
Removal of unauthorized inquiry by XXXX XXXX. 
Rectification of incorrect personal information, including addresses. 
I appreciate your attention to this matter and your dedication to ensuring fair and accurate credit reporting practices. I kindly request a timely response detailing the actions taken to address these violations. Please provide me with written confirmation of the steps that will be taken to rectify these issues within the timeframe allowed by law. 

Thank you for your time and consideration. I believe that with your help, we can restore the accuracy of my credit report and alleviate the burdens I have been enduring due to these violations. 

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