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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing this letter to formally dispute certain entries on my credit report that have negatively impacted my financial well-being and caused undue distress in my life. I am seeking your intervention and enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and related regulations. I kindly ask for your assistance in addressing the violations listed below : Unauthorized Inquiries ( FCRA - Section 604 ( a ) ( 3 ) ( B ) ) XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Date of Inquiry : XX/XX/XXXX XXXX : Date of Inquiry : XX/XX/XXXX These unauthorized inquiries have been made on my credit report without my consent, infringing upon my right to privacy and causing unwarranted stress. I have no recollection of authorizing these credit pulls and I am deeply concerned about the impact they may have on my creditworthiness and financial standing. 

Additionally, the following accounts raise concerns regarding their accuracy and legitimacy : XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX These accounts contain questionable information, and I hereby request your assistance in clarifying the accuracy of the account details or, if appropriate, removing them from my credit report. The uncertainty surrounding these accounts has caused significant XXXX and has directly impacted my ability to secure credit at reasonable terms. 

I would like to take a moment to share a personal story illustrating the profound impact these inaccuracies have had on my life. A few years ago, I embarked on the journey of purchasing my first home, a dream that required careful financial planning and dedication. Unfortunately, due to these erroneous entries on my credit report, my mortgage application was met with higher interest rates and less favorable terms. This financial setback resulted in higher monthly payments and an increased overall cost of my mortgage. Additionally, the stress and XXXX caused by this situation took a toll on my mental and emotional well-being, affecting both my personal and professional life. 

Considering the hardships and emotional distress I have endured due to these inaccuracies, I earnestly implore you to take swift and decisive action to rectify these violations. I kindly request your assistance in ensuring that the following unverified accounts are promptly removed from my credit report : XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I trust in your commitment to upholding consumer rights and enforcing fair and accurate credit reporting practices. Your intervention will not only help me secure a stronger financial future but also provide hope to countless individuals who find themselves in similar situations. 

Thank you for your attention to this matter. I eagerly await your response and appreciate your efforts to ensure justice and fairness in consumer financial matters. 

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