Consumer complaint received 2023-08-16
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to lodge a formal dispute and request your intervention in addressing the concerning violations of consumer protection laws that have had a significant and distressing impact on my life. The violations involve several creditors who have reported inaccurate and unauthorized information to credit reporting agencies, thereby infringing upon my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), among other pertinent regulations. 

The gravity of these violations can not be overstated, as they have not only caused unwarranted financial distress but also emotional turmoil. It is my sincere hope that the Consumer Financial Protection Bureau will stand as a bastion of justice and advocate for consumers like myself who have been adversely affected by these wrongful actions. 

Unauthorized Inquiries ( FCRA Violation ) : The following creditors have conducted unauthorized inquiries into my credit report on the dates mentioned, without my knowledge or consent : 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 : Date of Inquiry - XX/XX/XXXX XXXX : Date of Inquiry - XX/XX/XXXX XXXX : Date of Inquiry - XX/XX/XXXX XXXX : Date of Inquiry - XX/XX/XXXX XXXX : Date of Inquiry - XX/XX/XXXX XXXX XXXX XXXX : Date of Inquiry - XX/XX/XXXX Account Reporting Inaccuracies and Improper Practices ( FCRA Violation ) : The following creditors have reported inaccurate and unverified information that has unjustly affected my creditworthiness : XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account XXXX : XXXX XXXX XXXX - Account Number : XXXX These violations have wreaked havoc on my financial stability and personal well-being. I implore you to consider the emotional toll such violations take on consumers, leaving them vulnerable and distressed due to inaccurate and unverified information. 

Personal Story : Allow me to share a deeply personal story that vividly illustrates the impact of these violations on my life. As a single parent, I have worked tirelessly to secure a stable future for my children and me. However, the weight of these inaccuracies and unauthorized inquiries has left me in a state of constant XXXX and uncertainty. I recall a recent incident where I had to explain to my children why we couldn't pursue a cherished family outing due to unforeseen financial difficulties caused by these discrepancies. This heart-wrenching moment further highlights the emotional turmoil I have endured. 

In light of the aforementioned violations and their adverse consequences, I kindly request the Consumer Financial Protection Bureau to intervene on my behalf. I urge you to enforce the legal provisions that protect consumers like me from unfair practices, ensuring that the creditors in question promptly and diligently address these concerns. Specifically, I request that the unverified accounts listed above be removed from my credit report to rectify the inaccurate representation of my creditworthiness. 

Your timely intervention would not only rectify my current predicament but also reinforce my faith in the regulatory mechanisms that uphold consumer rights in our nation. I deeply appreciate your attention to this matter and thank you for your commitment to ensuring a fair and just financial system for all consumers. 

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