Consumer complaint received 2023-08-11
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 XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to formally dispute the inaccurate and unverified information currently present on my credit report. I am seeking your assistance in addressing these violations of my rights under the law, and I humbly request your intervention to enforce the applicable legal provisions. 

I have been a diligent and responsible consumer, consistently striving to maintain a good credit history. Unfortunately, my efforts have been undermined due to the actions of certain creditors who have inaccurately reported information on my credit report. I am providing a detailed account of my experience to convey the emotional toll this situation has taken on my life. 

XXXX CARD : Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The account information is reported inaccurately, stating that payments were late when they were not. This inaccurate reporting negatively impacts the individual 's credit and needs to be updated and corrected promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report. 

XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : Similar to the first case, inaccurate reporting of payment history is adversely affecting the individual 's XXXX XXXX. The individual requests a correction and removal of the incorrect information. 

XXXX XXXXXXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report. 

XXXX  XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX : Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : Once again, inaccurate reporting of payment history is harming the individual 's XXXX XXXX. The individual requests correction and removal of the incorrect data. 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX XXXX  | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual insists on the removal of an unauthorized credit inquiry from their credit report. 

XXXX XXXX : Account number : Name Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual 's name is inaccurately reported. The individual requests its immediate removal from the credit report. 

XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report. 

XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual insists on the removal of an unauthorized credit inquiry from their credit report. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report. 

XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX UT XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report. 

XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report. 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX XXXX XXXX  XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report. 

The emotional toll of these inaccuracies is profound. I am a hardworking individual who has diligently managed my finances, only to find my efforts thwarted by creditors ' negligence. The stress and anxiety caused by these inaccuracies have affected my personal relationships, my mental well-being, and my ability to plan for my future. My dreams of homeownership, educational pursuits, and financial stability have been clouded by the unwarranted damage to my credit history. 

In light of the above, I implore you to take action to ensure the enforcement of the relevant legal provisions. I respectfully request that you engage with the creditors in question to demand the removal of inaccurate and unverified information from my credit report. This is not only a matter of personal significance but also a matter of upholding the integrity of the credit reporting system for all consumers. 

I thank you for your attention to this matter and your commitment to protecting consumer rights. Your intervention will undoubtedly alleviate the distress I have experienced and pave the way for a more secure financial future. 

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