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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute a series of egregious violations that have deeply affected my financial well-being and peace of mind. I am seeking your assistance in enforcing my legal rights, as outlined in several pertinent consumer protection laws, and to address the distressing impact these violations have had on my life. 

Violations : Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ) FCRA Violations - Inaccurate Reporting on Credit Reports : XXXX  Account Number : XXXX FCRA Violations- Inaccurate Reporting on Credit Reports : XXXX  Account Number : XXXX FCRA Violations- Questionable Account Information on Credit Reports : XXXX XXXX Account Number : XXXX FCRA Violations- Questionable Account Information on Credit Reports : XXXX XXXX Account Number : XXXX FCRA Violations- Questionable Account Information on Credit Reports : XXXX Account Number : XXXX FCRA Violations- Unauthorized Credit Inquiry : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXXXXXX   FCRA Violations- Unauthorized Credit Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  FCRA Violations- Unauthorized Credit Inquiry : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX  FCRA Violations- Unauthorized Credit Inquiry : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX FCRA Violations- Inaccurate Reporting on Credit Reports : XXXX Account Number : XXXX FCRA Violations- Inaccurate Reporting on Credit Reports : XXXX Account Number : XXXX FCRA Violations- Questionable Account Information on Credit Reports : XXXX XXXX Account Number : XXXX FCRA Violations- Questionable Account Information on Credit Reports : XXXX XXXX Account Number : XXXX FCRA Violations- Questionable Account Information on Credit Reports : XXXX Account Number : XXXX FCRA Violations- Incorrect Personal Information on Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX FCRA Violations - Incorrect Personal Information on Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX These violations have resulted in severe XXXX, XXXX, and financial instability in my life. The inaccurate reporting and unauthorized inquiries have unfairly tarnished my creditworthiness, hindering my ability to secure loans, housing, and other essential financial opportunities. It is disheartening to see that my personal information has been mishandled, leading to questionable and erroneous entries on my credit reports. 

As a result of these violations, I have faced countless challenges in securing reasonable interest rates, accessing credit, and even finding suitable housing. The emotional toll has been immense, impacting my peace of mind, relationships, and overall quality of life. It is my sincere hope that the gravity of this situation is understood, and that corrective measures will be taken promptly. 

I kindly request your intervention to ensure that the creditors promptly remove these unverified accounts from my credit report. This will contribute significantly to rectifying the damages inflicted upon my financial well-being and personal life. 

Thank you for your attention to this matter. I am eagerly anticipating a swift and satisfactory resolution to the issues outlined in this letter. Please provide me with updates regarding the progress and outcome of this dispute. 

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 non-monetary relief