Consumer complaint received 2023-08-18
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant laws, as indicated by the numerous inaccuracies and unauthorized credit inquiries found on my credit report. These violations have had a profound impact on my life, prompting me to seek the assistance of the Consumer Financial Protection Bureau to ensure the enforcement of the legal safeguards designed to protect consumers ' financial rights. 

The violations that require your attention pertain to the following legal provisions : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA, encompassing Sections 609, 611, and 623, serves to regulate the procedures involved in challenging inaccuracies present on credit reports. These sections demand thorough investigation, correction, and timely resolution of disputes. Furthermore, Section 604 mandates the accurate and responsible reporting of information by creditors. 

2. Unauthorized Credit Inquiries : Unauthorized credit inquiries conducted without obtaining my explicit consent contravene federal and state laws established to safeguard consumer rights and maintain personal privacy.

3. Fair Debt Collection Practices Act ( FDCPA ) : Should the creditors engage in debt collection activities, adherence to the FDCPA becomes vital to ensure ethical behavior and prevent any form of harassment or unfair practices.

4. Truth in Lending Act ( TILA ) : Inaccuracies related to credit terms, interest rates, or payment details can invoke the Truth in Lending Act, which emphasizes transparency and honesty in lending practices. 

5. Identity Theft Laws : Instances of identity theft or the propagation of incorrect personal information could invoke laws enacted to protect individuals from identity theft and guarantee the accurate representation of personal data.

6. Consumer Protection Laws ( State-Specific ) : Specific consumer protection laws established at the state level may complement federal statutes, addressing concerns such as unauthorized access to credit reports and deceptive business practices. 

In light of the violations and their repercussions, I hereby implore the Consumer Financial Protection Bureau to intervene on my behalf. It is my earnest request that you compel the involved creditors to diligently investigate and authenticate the accuracy of the reported accounts. Furthermore, I ardently advocate for the removal of unverified accounts from my credit report to mitigate the ongoing financial hardship caused by these discrepancies. 

I understand the intricacies associated with the laws and the potential variations based on jurisdiction. I am committed to seeking legal guidance from an attorney who specializes in consumer law to navigate this complex situation. However, the seriousness of my case underscores the broader implications for the integrity of the credit reporting process, potentially affecting numerous other consumers as well. 

In the spirit of transparent communication and accountability, I humbly request your attention to this matter. I look forward to your response, guidance, and assistance in taking the appropriate steps to rectify these violations and alleviate the adverse impact they have had on my financial well-being. 

List of Accounts and Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. 
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Please correct/update this inaccurate information on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report. 
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please correct/update this inaccurate information on my credit report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. 
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 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. 
XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 
I appreciate your attention to this pressing issue and your commitment to safeguarding consumers ' rights and the integrity of the credit reporting system. 

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