Consumer complaint received 2023-08-17
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 XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a matter of great concern regarding the violations of various consumer protection laws by several creditors. I kindly request your intervention in enforcing the provisions of these laws to rectify the adverse impact these violations have had on my financial well-being and personal life. 

The creditors in questionXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXhave been responsible for a series of violations that have severely impacted my credit report and overall financial stability. These violations include : Late Payment Issues : The creditors, XXXX ( # XXXX ), XXXX XXXXXXXX ( # XXXX ), and XXXX  ( # XXXX XXXX, have consistently reported late payments on my credit report. These late payment notations are inaccurate and have negatively affected my creditworthiness, making it challenging for me to secure favorable interest rates and financial opportunities. 

Charge Off and Debt Collection Issues : XXXX XXXX XXXX ( # XXXX ) unlawfully reported a charge-off on my credit report. This inaccurate reporting has not only harmed my credit score but has also subjected me to inappropriate debt collection practices, including relentless communications that disrupt my daily life. 

XXXX XXXX Bankruptcy : XXXX XXXX bankruptcy ( # XXXX ) was filed due to unforeseen circumstances. However, the inaccurate reporting of this bankruptcy as " Public Information '' on my credit report has exacerbated my financial challenges and hindered my efforts to rebuild my life. 

Inquiries : XXXX  ( XXXX XX/XX/XXXX ) and XXXX XXXX ( # XX/XX/XXXX ) have made unauthorized inquiries on my credit report. These inquiries have further eroded my creditworthiness and undermined my financial endeavors. 

I want to emphasize the profound personal impact these violations have had on my life. The stress and XXXX caused by these inaccurate reports, unwarranted debt collection attempts, and unjust inquiries have taken a toll on my emotional well-being. I've had to make sacrifices in pursuit of financial stability, enduring sleepless nights and constant worry about my future. It has even affected my ability to provide for my family, causing tension and strain in our lives. 

In light of the above violations, I kindly request that you use your authority to enforce the provisions of the relevant consumer protection laws and ensure that the creditors rectify their actions. Specifically, I urge these creditors to remove the unverified accounts, inaccurate late payment notations, and unauthorized inquiries from my credit report. 

I am profoundly grateful for your assistance in resolving this matter and restoring my financial integrity. Your intervention would not only provide me with the relief I desperately need but also reaffirm my faith in the importance of consumer protection laws. 

Thank you for your time, attention, and dedication to safeguarding consumers ' rights. I look forward to a resolution that will allow me to rebuild my financial future with confidence. 

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