Consumer complaint received 2023-08-21
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 : ( XXXX ) XXXX Date of Birth : XX/XX/1988 SS # : XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate and unauthorized information present on my credit report as provided by the following creditors along with their respective account numbers : XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - XXXX  XXXX : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account XXXX : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account XXXX : XXXX These creditors have violated the following laws and regulations through their inaccurate reporting : 1. **Fair Credit Reporting Act ( FCRA ) ** : - Violation : Inaccurate reporting of account information including high balances, dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge-offs listed as open accounts, and collection accounts with limits. 
- Violated Law ( s ) : FCRA Sections 603 ( a ), 605 ( a ), 605 ( c ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 1 ) ( A ). 

2. **Unauthorized Inquiries** : - Violation : Unauthorized inquiries into my credit report without my consent by the following creditors : [ List of unauthorized inquiries ].

- Violated Law ( s ) : FCRA Section 604 ( a ) ( 3 ) ( F ). 

3. **Fair Debt Collection Practices Act ( FDCPA ) ** : - While not directly involved, some practices mentioned could potentially fall under FDCPA if related to debt collection.

4. **State Consumer Protection Laws** : - Potentially relevant depending on your jurisdiction and specific circumstances. 

The inaccuracies and unauthorized inquiries by these creditors have had a profound impact on my life, affecting my ability to secure credit, loans, and housing. The resulting financial strain has caused me immense emotional distress and XXXX. 

I would like to share a personal story that highlights the real-life implications of these violations : [ Share a detailed personal story of how these inaccuracies have affected your ability to secure credit, loans, housing, or any other significant life event. Emphasize the emotional toll it has taken on you and your loved ones. ] Given the severity of these violations and their adverse impact on my life, I kindly request the Consumer Financial Protection Bureau to enforce my legal rights under the Fair Credit Reporting Act. I urge you to thoroughly investigate these matters and ensure that the concerned creditors promptly rectify the inaccuracies and remove the unverified accounts from my credit report. 

I request that you keep me updated on the progress of your investigation. You can contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information. 

Thank you for your attention to this matter, and I am confident that your intervention will lead to a just resolution. 

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