Consumer complaint received 2023-08-14
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 Lot XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1989 I am writing to express my deep concern and frustration regarding multiple apparent violations of important consumer protection laws that have had a significant and distressing impact on my financial well-being and personal life. I am reaching out to your esteemed organization to seek assistance in addressing these violations and enforcing my legal rights. 

The violations in question are related to my interactions with several creditors who have reportedly engaged in practices that may breach consumer protection laws. The following are the specific violations that I have identified : Unauthorized Credit Pulls under FCRA : Instances : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Unauthorized access to my credit report without my authorization, as outlined in FCRA Section 604 ( a ) ( 3 ) ( F ). 
Inaccurate Information on Credit Report under FCRA : Instances : XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX Violation : Inclusion of inaccurate and unverified accounts on my credit report, contrary to FCRA XXXX XXXX ( a ). 
Inaccurate Personal Information on Credit Report under FCRA : Instances : XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Violation : Inclusion of incorrect personal information on my credit report, against FCRA Section 607 ( b ). 
These violations have not only caused significant emotional distress but have also had a tangible negative impact on my financial life. The errors on my credit report have led to denied credit applications, increased interest rates, and even hindered my ability to secure housing. As a result, I have faced financial hardships that have strained my ability to provide for myself and my family. 

To provide a personal story that underscores the emotional toll of these violations, imagine a scenario where you've diligently worked towards achieving your dreams, only to find your efforts thwarted by the misinformation on your credit report. This distressing situation has resulted in missed opportunities, sleepless nights, and an overwhelming sense of powerlessness. 

Given the gravity of these violations and the ensuing hardships they have caused, I am kindly requesting the Consumer Financial Protection Bureau to intervene and assist in enforcing my legal rights. I implore you to work towards ensuring that the involved creditors rectify their actions and remove these unverified and erroneous accounts from my credit report. 

Your support in resolving this matter would provide immense relief and a renewed sense of hope for a brighter financial future. I appreciate your attention to this urgent issue and kindly request a timely response to this dispute. 

Thank you for your dedication to protecting consumer rights and fostering fair business practices. 

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