Consumer complaint received 2023-08-16
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 Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention a series of alarming violations of federal consumer protection laws that have had a profound and distressing impact on my financial well-being and emotional stability. The violations pertain to unauthorized inquiries, incorrect personal information, and inaccurate reporting on my credit report by various creditors. I implore you to enforce the legal rights and protections afforded by the laws and regulations established to safeguard consumers like myself. 

The following violations have occurred : Unauthorized Inquiries ( FCRA - Section 604 ( a ) ( 3 ) ( B ) ) : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Reporting ( FCRA - Section 607 ( b ) and 623 ( a ) ( 2 ) ) : XXXX XXXX Bankruptcy, Case Number : XXXX, listed inaccurately with the bankruptcy court as the furnisher. 
These violations have not only undermined my financial stability but have also caused significant emotional distress. The stress and anxiety brought about by these violations have impacted my ability to focus on my work, affecting my professional performance and career growth. It has strained relationships with loved ones as I grapple with the weight of this situation. 

As a consumer who has diligently upheld their responsibilities, I kindly request that you enforce my legal rights by ensuring that the aforementioned creditors promptly remove the unauthorized inquiries and inaccurate information from my credit report. These unverified accounts have unjustly tarnished my creditworthiness, hindering my access to financial opportunities and peace of mind. 

I am attaching relevant documentation and evidence to support my claims. Your assistance in rectifying these violations and restoring the accuracy of my credit report is of utmost importance to me. I look forward to your prompt attention and resolution of this matter. 

Thank you for your understanding and commitment to upholding consumer rights. 

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