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 DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute and request the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and other relevant consumer protection laws. I am deeply concerned about the unauthorized credit inquiries, inaccurate reporting of accounts, and failure to validate account ownership that have occurred on my credit report. These violations have had a significant and distressing impact on my financial well-being and overall quality of life. 

Under FCRA Section 1681b : Permissible Purposes of Consumer Reports, it is stipulated that consumer reports may only be obtained for permissible purposes. Yet, I have come across unauthorized credit inquiries that I do not recall authorizing. These inquiries have raised doubts about my financial security and have left me feeling vulnerable to potential identity theft. I believe this violation has left me exposed to unnecessary risks and jeopardized my personal and financial information.

Furthermore, under FCRA Section 1681i : Procedure in Case of Disputed Accuracy, I have attempted to follow the proper procedure in cases of disputed accuracy by reaching out to the relevant creditors. However, my efforts to rectify the situation have been met with inadequate responses or a lack of response altogether. This failure to address my concerns and disputes has left me feeling unheard and frustrated, compounding the distress caused by these inaccuracies.

The Responsibilities of Furnishers of Information to Consumer Reporting Agencies, as outlined in FCRA Section 1681s-2, require that accurate and verifiable information be reported to credit bureaus. Unfortunately, I have identified instances where the reported account information is questionable or unverified. This has resulted in an inaccurate representation of my creditworthiness, affecting my ability to secure favorable terms on loans and credit applications.

I want to emphasize the personal toll these violations have taken on my life. The stress and anxiety I have experienced as a result of these inaccuracies have impacted my emotional well-being, strained relationships, and hindered my ability to plan for a secure financial future. The fear of being unfairly judged due to inaccurately reported information has caused sleepless nights and undue emotional distress.

I implore you to take immediate action to enforce the rights granted to me under the laws mentioned above. Specifically, I request that the following unverified accounts be promptly removed from my credit report : XXXX XXXX XXXX XXXX 
XXXX | Account number : 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 Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX : Address I appreciate your attention to this matter and look forward to a prompt resolution. Your intervention in rectifying these violations and ensuring accurate reporting will help restore my peace of mind and enable me to regain control over my financial well-being. Thank you for your understanding and support. 

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