Consumer complaint received 2023-08-18
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, CA XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  Dear Sir/Madam, I am writing to formally dispute multiple entries on my credit report that I believe to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically the sections detailed below : Unauthorized Credit Pulls : Section 604 : Permissible purposes of consumer reports.

Section 607 : Compliance procedures.

Section 609 : Disclosures to consumers.

Section 610 : Conditions and form of disclosure to consumers.

Section 611 : Procedure in case of disputed accuracy.

Section 613 : Public record information for employment purposes.

Questionable Account Information : Section 611 : Procedure in case of disputed accuracy.

Section 623 : Responsibilities of furnishers of information to consumer reporting agencies.

Incorrect Personal Information : Section 611 : Procedure in case of disputed accuracy.

Section 623 : Responsibilities of furnishers of information to consumer reporting agencies.

Address Errors : Section 611 : Procedure in case of disputed accuracy.

Section 623 : Responsibilities of furnishers of information to consumer reporting agencies.

I wish to highlight the specific accounts that are involved in these violations : Unauthorized Credit Pull - XXXX | XX/XX/XXXX Violation : Unauthorized credit pull Questionable Account Information - XXXX XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information- XXXX XXXX XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX : Account number XXXX XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX XXXX XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Incorrect Personal Information - XXXX XXXX XXXX CA XXXX XXXX Violation : Incorrect personal information Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX XXXX Violation : Incorrect personal information Unauthorized Credit Pull - XXXX | XX/XX/XXXX Violation : Unauthorized credit pull Questionable Account Information - XXXX XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX Questionable Account Information - XXXX : Account number : XXXX Violation : Questionable account information Account Number : XXXX The inaccuracies  within these entries have not only caused significant financial distress but have also taken an emotional toll on me and my family. I would like to share a personal account of how these violations have affected my life : Given the severity of these violations and their detrimental effects, I earnestly request your intervention to enforce my legal rights under the FCRA. I implore the respective creditors to promptly remove these unverified and inaccurate accounts from my credit report. By taking this necessary action, I hope to not only restore my financial stability but also alleviate the emotional distress that has arisen due to these inaccuracies. 

Enclosed are copies of supporting documents and relevant information that I believe will aid in your investigation and resolution of this matter. 

Thank you for your attention to this critical issue. I trust that your intervention will lead to a prompt resolution and the restoration of my confidence in the credit reporting system. 

Sincerely, XXXX 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