Consumer complaint received 2023-08-21
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, CA XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding unauthorized credit pulls and inaccurate information on my credit report. I recently obtained a copy of my credit report and was deeply concerned to discover several unauthorized credit inquiries listed under my name. Additionally, I found incorrect personal information that has been adversely affecting my credit standing. 

The unauthorized credit pulls were conducted by the following creditors on XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( Permissible purposes of consumer reports ) Violation of FCRA, Section 607 ( Compliance procedures ) XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Violation of FCRA, Section 604 Violation of FCRA, Section 607 XXXX XX/XX/XXXX Unauthorized Inquiry Violation of FCRA, Section 604 Violation of FCRA, Section 607 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Violation of FCRA, Section 604 Violation of FCRA, Section 607 XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Violation of FCRA, Section 604 Violation of FCRA, Section 607 XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Violation of FCRA, Section 604 Violation of FCRA, Section 607 XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Violation of FCRA, Section 604 Violation of FCRA, Section 607 XXXX XXXX XX/XX/XXXX Unauthorized Inquiry Violation of FCRA, Section 604 Violation of FCRA, Section 607 In addition to the unauthorized inquiries, I identified an inaccurate address listed on my credit report : Address : XXXX XXXX  XXXX XXXX  XXXX CA XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
Violation of FCRA, Section 607 Violation of FCRA, Section 611 These violations not only infringe upon my rights as a consumer but have also caused immense emotional distress and uncertainty in my life. As an individual who has diligently upheld financial responsibilities, these unauthorized inquiries have unjustly impacted my creditworthiness. The incorrect information, particularly the inaccurate address, has cast doubts on my credit history and has the potential to hinder my access to essential financial opportunities. 

I implore the Consumer Financial Protection Bureau to enforce the legal safeguards put in place to protect consumers like myself. I kindly request a comprehensive investigation into these matters, ensuring strict adherence to the laws that govern accurate credit reporting. 

I understand that errors can occur in credit reporting, but these violations have inflicted significant emotional distress and financial uncertainty upon me. I urge the creditors involved to promptly verify the accuracy of their reported information and to remove these unverified accounts from my credit report. This would go a long way in rectifying the injustice that I have been subjected to. 

Please provide me with timely updates on the progress of this dispute and the actions taken to rectify the violations outlined above. I am eager to see a resolution that restores my confidence in the credit reporting system and safeguards my financial future. 

Thank you for your attention to this matter. I look forward to your response. 

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