Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to formally dispute several instances of unauthorized credit pulls and inaccurate account information on my credit report. I believe these actions have violated important provisions of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). I kindly request your assistance in enforcing my legal rights and rectifying the negative impact these violations have had on my financial well-being. 

Unauthorized Credit Pulls : On multiple occasions, my credit report has been accessed without my authorization by various creditors. These actions have taken a toll on my financial security and personal privacy. I strongly believe that these unauthorized credit pulls are in direct violation of the FCRA, particularly under sections 15 U.S.C. 1681b and 15 U.S.C. 1681c. I have no recollection of authorizing these credit pulls, and I demand their immediate removal from my credit report. 

Inaccurate Account Information : Furthermore, I have discovered several accounts with inaccurate and unverified information that I believe to be in violation of the FCRA and potentially the FDCPA. For instance : XXXXXXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : FCRA 15 U.S.C. 1681b, 15 U.S.C. 1681c XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : FCRA 15 U.S.C. 1681b, 15 U.S.C. 1681c XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : FCRA 15 U.S.C. 1681b, 15 U.S.C. 1681c XXXXXXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : FCRA 15 U.S.C. 1681b, 15 U.S.C. 1681c XXXXXXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : FCRA 15 U.S.C. 1681b, 15 U.S.C. 1681c XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : FCRA 15 U.S.C. 1681b, 15 U.S.C. 1681c XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : FCRA 15 U.S.C. 1681b, 15 U.S.C. 1681c XXXX XXXXXXXX XXXX  Account number : 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. 

Violation : Inaccurate account information ; FCRA 15 U.S.C. 1681e, 15 U.S.C. 1692e, 15 U.S.C. 1692f XXXX XXXXXXXX XXXX  Account number : 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. 

Violation : Inaccurate account information ; FCRA 15 U.S.C. 1681e, 15 U.S.C. 1692e, 15 U.S.C. 1692f XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : FCRA 15 U.S.C. 1681b, 15 U.S.C. 1681c XXXX XXXX XXXX XXXX CA XXXX : Inaccurate personal information. 

Violation : FCRA 15 U.S.C. 1681c Personal Impact : Allow me to share a deeply personal story illustrating the profound impact these violations have had on my life. As a single parent, I have worked tirelessly to provide a stable and secure environment for my child. A few months ago, we faced an unexpected medical emergency that required substantial medical expenses. Unfortunately, due to the inaccuracies and unauthorized credit pulls on my credit report, I encountered significant challenges in securing a loan to cover these medical bills. This ordeal has caused immense emotional distress and hindered my ability to provide for my family when they needed it most. 

Request for Resolution : I implore you to take swift action in investigating these violations and ensuring that my legal rights under the FCRA are upheld. I kindly request that the creditors responsible for the unauthorized credit pulls and inaccurate account information undertake a thorough verification process to substantiate the accuracy of these entries. In the absence of such verification, I urge you to instruct these creditors to remove these damaging accounts from my credit report immediately. 

I am grateful for your attention to this matter and your commitment to protecting consumers like me from unfair and deceptive practices. I understand the crucial role that the Consumer Financial Protection Bureau plays in safeguarding our rights, and I am hopeful that your intervention will lead to a just resolution. 

Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation to assist with your investigation. Thank you for your time and consideration. 

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