Consumer complaint received 2023-08-18
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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX I hope this letter finds you well. I am writing to lodge a formal dispute regarding a series of violations that have adversely affected my financial well-being, and to respectfully request the Consumer Financial Protection Bureau 's intervention in enforcing my legal rights under the applicable laws. 

My journey with the credit reporting system has been a source of immense frustration and distress. As a conscientious individual who values financial responsibility, I was deeply alarmed to discover a sequence of unauthorized credit pulls and inaccuracies on my credit report. These violations have had a profoundly detrimental impact on my life, significantly compromising my ability to obtain loans, secure housing, and even pursue meaningful employment opportunities. 

Unauthorized Credit Pulls : It has come to my attention that a number of creditors have executed unauthorized credit pulls without my explicit consent. Specifically, the following creditors have engaged in this practice : XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
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. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
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 XXXX  | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
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 : 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 | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
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 XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. 
I have no recollection of authorizing this credit pull and I demand this to be removed. 
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 : 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 | XX/XX/XXXX : Account number : XXXX  Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

These unauthorized credit pulls raise concerns under the provisions of the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 604, creditors are required to have permissible purposes for accessing credit reports. I assert my right to dispute these unauthorized credit inquiries and request their immediate removal from my credit report.

Inaccurate Account Information : Furthermore, I have discovered several accounts on my credit report that are marred by inaccurate reporting, thereby unjustly tarnishing my creditworthiness. The following accounts are particularly concerning : XXXX  ( Account number : XXXX ) XXXX XXXX  ( Account number : XXXX ) XXXX XXXX XXXX ( Account number : XXXX ) XXXX  ( Account number : XXXX ) These inaccuracies are a direct violation of the FCRA, which mandates accurate and fair credit reporting. I request that the Consumer Financial Protection Bureau takes immediate action to rectify these inaccuracies and restore the integrity of my credit information. 

Inaccurate Address Information : Additionally, my personal information, including addresses, has been inaccurately reported on my credit file. The addresses XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have been incorrectly attributed to me. Such errors not only compromise my credit history but also pose potential issues for future communication. 

Violation of Consumer Protection Laws : These actions by creditors and credit reporting agencies may potentially contravene consumer protection laws, thereby perpetuating unjust practices. I urge the Consumer Financial Protection Bureau to meticulously investigate these actions to ensure that such violations are not left unaddressed.

Identity Theft Laws : Furthermore, the questionable accounts and unauthorized credit pulls suggest the possibility of identity theft, which is deeply concerning. Laws related to identity theft and fraud are particularly relevant in addressing these issues.

Debt Collection Laws : It is worth noting that certain accounts may be subject to debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ) which mandates fair and ethical debt collection practices. 

In light of the foregoing, I am mindful of the need to consult legal professionals to ascertain the specific codes, sections, and subsets of the aforementioned laws that are pertinent to my situation. I am committed to pursuing justice and the restoration of my financial well-being. 

In sharing my personal story, I want to convey the emotional turmoil that these violations have unleashed upon my life. The weight of these violations has resulted in sleepless nights and profound anxiety, as I grapple with the implications for my family 's livelihood. The stress induced by these violations has cast a shadow over my aspirations for a secure financial future. 

I humbly implore the Consumer Financial Protection Bureau to uphold its role as a guardian of consumer rights and ensure the enforcement of my legal rights. I urgently request that the unverified accounts, inaccuracies, and unauthorized credit pulls be removed from my credit report. By doing so, the Consumer Financial Protection Bureau will not only rectify my personal predicament but will also exemplify its commitment to a just and transparent credit reporting system. 

I earnestly await your response and the resolution of this matter. Thank you for your attention to this pressing issue. 

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