Consumer complaint received 2023-08-11
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 XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/1985 I hope this letter finds you well. I am writing to file a formal dispute regarding inaccurate and unverified information present on my credit report. I kindly request your assistance in enforcing the legal provisions designed to protect consumers like myself from unfair and misleading credit reporting practices. 

I have been deeply affected by the inaccuracies and unauthorized credit pulls present on my credit report. These errors have not only caused undue emotional distress but have also had severe financial implications on my life. Allow me to share my personal story, filled with details that illustrate the emotional toll these inaccuracies have taken : As a single parent of XXXX XXXX children, my journey to financial stability has been filled with determination and hard work. I have always been diligent about my financial responsibilities, ensuring that my bills are paid on time and my credit remains in good standing. Despite facing numerous challenges, I have managed to create a stable and secure environment for my family. 

Recently, I embarked on the journey of securing a home for my children and myself, seeking a place where we could create lasting memories and build our future together. With great excitement, I began the process of obtaining a mortgage. To my shock and dismay, my credit report revealed inaccurate payment histories and unauthorized credit pulls from various creditors. These errors, completely unrelated to my financial behavior, have caused my credit score to plummet, leaving me ineligible for the home loan I so desperately needed. 

The emotional impact of this situation can not be overstated. I have spent countless sleepless nights worrying about the future of my children and our ability to secure a safe and stable home. The dreams I had for my family have been dashed by the unfair and unjust reporting practices of these creditors. 

In light of the violations that have occurred, I kindly request that you enforce the relevant legal provisions to rectify this situation. Specifically, I request the following actions to be taken : XXXX XXXX : Correct/update the inaccurate payment history information ( Account Number : XXXX ). 
XXXX XXXX  XXXX : Remove the unauthorized credit pull ( Account Number : N/A ). 
XXXX XXXX XXXX XXXX XXXX XXXX Delete incorrect personal information ( Account Number : Name ). 
XXXX XXXX : Remove the unauthorized credit pull ( Account Number : N/A ). 
XXXX XXXX XXXX XXXX XXXX Remove the unauthorized credit pull ( Account Number : N/A ). 
XXXX : Remove the unauthorized credit pull ( Account Number : N/A ). 
XXXX  : Remove the unauthorized credit pull ( Account Number : N/A ). 
XXXX XXXX, XXXX XXXX : Remove the unauthorized credit pull ( Account Number : N/A ). 
XXXX : Correct/update the inaccurate payment history information ( Account Number : XXXX ). 
XXXX : Correct/update the inaccurate payment history information ( Account Number : XXXX ). 
XXXX : Remove the unauthorized credit pull ( Account Number : N/A ). 
XXXX XXXX ( Account Number : XXXX and XXXX ) : Correct/update the inaccurate payment history information. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Delete incorrect address information ( Account Number : Address ). 
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX : Delete incorrect address information ( Account Number : Address ). 
I kindly request that you ensure the prompt and thorough investigation of these violations and the subsequent removal of unverified and inaccurate information from my credit report. Your intervention is vital to restoring my financial well-being and securing a stable future for my family. 

Thank you for your attention to this matter. I eagerly await your response and resolution of these issues. 

Sincerely, XXXX 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