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:
I am writing to you in relation to several discrepancies and inaccuracies present on my credit report. The purpose of this letter is to formally dispute the information provided by various creditors, to assert my rights under the Fair Credit Reporting Act ( FCRA ), and to share a deeply personal story highlighting how these inaccuracies have significantly impacted my life. 

My personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I recently obtained a copy of my credit report and was dismayed to find several entries that are either inaccurate or unauthorized. The information provided by the creditors in question has adversely affected my ability to access credit, secure favorable interest rates, and achieve my financial goals. The inaccuracies on my credit report have caused immense emotional distress and financial hardship, which I will explain through a personal experience : [ Share Your Personal Story Here Detail the Impact on Your Life ] Imagine being denied a mortgage for your dream home, a loan to cover emergency medical expenses, or even a credit card to provide for your basic needs. These are not hypothetical scenarios for me ; they are harsh realities that I have faced due to the errors and unauthorized inquiries on my credit report. 

In the midst of trying to establish a stable financial foundation for my family, I have encountered barriers that I never thought possible. The errors on my credit report have prevented me from achieving the milestones I had envisioned, causing sleepless nights, anxiety, and strained relationships. I am not merely a statistic ; I am a person who is working diligently to secure a better future, and the inaccuracies on my credit report have placed unnecessary obstacles in my path. 

I am fully aware of my rights under the FCRA and XXXX, which grant me the ability to dispute and correct inaccurate information on my credit report. I hereby request that you investigate and verify the legitimacy of the accounts associated with the following creditors : Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
Please correct/update this inaccurate information on my credit report. 

Creditor : XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : This address is not correct. Delete it immediately from my report. 
Please remove it from my credit report. 

Creditor : XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX  Account Number : XXXX Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX  Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX  Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
Please correct/update this inaccurate information on my credit report. 

Creditor : XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX Explanation : This address is not correct. Delete it immediately from my report. 
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : This address is not correct. Delete it immediately from my report. 
Please remove it from my credit report. 

Creditor : XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Please remove it from my credit report. 

Creditor : XXXX XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Please remove it from my credit report. 

Creditor : XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
Please remove it from my credit report. 

Creditor : XXXX XXXX XXXX  Account Number : XXXX Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed. 
Please correct/update this inaccurate information on my credit report. 

Creditor : XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Please correct/update this inaccurate information on my credit report. 

Creditor : XXXX  XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Based on the aforementioned laws and my personal experience, I urge you to thoroughly investigate the accuracy and legitimacy of the information reported by the creditors listed above. As a consumer, I have a right to a fair and accurate credit report that reflects my true financial history. 

I kindly request that you promptly remove the unverified accounts from my credit report and provide me with written confirmation of the actions taken to rectify this situation. I trust that you will honor your obligations under the law and help me restore the integrity of my credit profile. 

Please respond in writing within the timeframe prescribed by law, confirming your receipt of this dispute and outlining the steps you intend to take. I am also willing to provide any additional documentation necessary to support my dispute. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution that will alleviate the undue burden placed upon me due to these inaccuracies. 

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