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, Arizona XXXX Date of Birth : XX/XX/1953 SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and address several inaccuracies on my credit report. I have recently reviewed my credit report from [ Credit Bureau 's Name ] and have identified multiple instances where my rights under federal laws have been violated. As a conscientious consumer, I am deeply concerned about these violations, and I kindly request your assistance in resolving these matters promptly and accurately. 

The following violations have been identified on my credit report : Unauthorized Inquiry by XXXX  : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX  without my consent. I have no recollection of authorizing this credit pull and demand that it be removed from my credit report. 

Inaccurate Reporting by XXXX XXXX : Account Number : XXXX. To the best of my knowledge, this account has never been paid late. The inaccurate reporting of this account is adversely affecting my credit score and financial well-being. I urge you to correct this inaccurate information immediately. 

Unauthorized Inquiry by XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX without my consent. I have no memory of granting permission for this inquiry and request its removal from my credit report. 

Questionable Account Information by XXXX XXXX XXXX  : Account Number : XXXX. The account 's name and number are unclear, casting doubt on its accuracy. I implore you to either clarify this information or delete the account from my credit report. 

Unauthorized Inquiry by XXXX XXXX  : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX  without my consent. I have no recollection of authorizing this credit pull and demand its immediate removal. 

Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX  without my consent. I have no memory of granting permission for this inquiry and request its removal from my credit report. 

Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX without my consent. I have no recollection of authorizing this credit pull and demand its immediate removal. 

Inaccurate Reporting by XXXX XXXX : Account Number : XXXX. To the best of my knowledge, this account has never been paid late. The inaccurate reporting of this account is severely impacting my credit and overall financial standing. I insist that this account be updated and the erroneous information be expunged. 

Incorrect Personal Information : My current address, listed as " XXXX XXXX XXXX XXXX, AZ XXXX, '' is incorrect and needs to be promptly removed from my report. 

Unrecognized Account by XXXX : Account Number : XXXX. I can not recognize this account, and I kindly request an investigation to verify its authenticity. If it can not be validated, I ask that it be deleted from my credit report. 

Unrecognized Account by XXXX : Account Number : XXXX. I can not recognize this account, and I kindly request an investigation to verify its legitimacy. If it can not be substantiated, I demand its removal from my credit report. 

Questionable Account Information by XXXX XXXX XXXX  : Account Number : XXXX. The account 's name and number remain questionable. Either provide clarification or remove this account from my credit report. 

Unauthorized Inquiry by XXXX XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX XXXX without my consent. I have no memory of granting permission for this inquiry and demand its immediate removal. 

Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX without my consent. I have no recollection of authorizing this credit pull and insist that it be removed from my credit report. 

Unauthorized Inquiry by XXXX XXXX : On [ Date of Inquiry ], an unauthorized inquiry was made by XXXX XXXX without my consent. I have no memory of granting permission for this inquiry and request its removal from my credit report. 

Inaccurate Reporting by XXXX XXXX : Account Number : XXXX. To the best of my knowledge, this account has never been paid late. The inaccurate reporting of this account is causing significant harm to my creditworthiness. I demand that this account be updated and the erroneous information be removed. 

Incorrect Personal Information : The name listed as " XXXX XXXX XXXX XXXX XXXX '' is incorrect and should be promptly deleted from my report. 

Incorrect Personal Information : My current address, listed as " XXXX XXXX XXXX XXXX, AZ XXXX, '' is incorrect and must be expunged from my report. 

Incorrect Personal Information : My previous address, listed as " XXXX XXXX XXXX XXXX, AZ XXXX, '' is incorrect and should be promptly removed from my report. 

Questionable Account Information by XXXX XXXX XXXX : Account Number : XXXX. The account 's name and number raise doubts, and I request clarification or the removal of this account from my credit report. 

Questionable Account Information by XXXX XXXX XXXX : Account Number : XXXX. The account 's name and number are questionable, and I request clarification or the removal of this account from my credit report. 

I would like to emphasize the gravity of these violations and their adverse impact on my personal and financial life. Allow me to share a deeply personal story to illustrate how these inaccuracies have affected me : In light of the above, I kindly request that you take immediate action to investigate and rectify these violations. I insist that you remove the unverified accounts and inaccurate information from my credit report, ensuring that my credit history is accurate and reflective of my true financial standing. 

I appreciate your prompt attention to this matter. Please provide written confirmation of your receipt of this dispute letter and an outline of the steps you intend to take to address these issues. I trust that you will uphold the principles of fairness, transparency, and legality as mandated by the law. 

Thank you for your cooperation. 

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