Consumer complaint received 2023-08-14
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 XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/2002 I hope this letter finds you well. I am writing to formally dispute and seek your assistance in addressing a series of violations committed by multiple creditors under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). These violations have resulted in severe repercussions for my financial well-being and personal life.

The following is a detailed account of the violations and their effects : For the past several years, my credit report has been marred by unauthorized and inaccurate credit inquiries and reporting. Various creditors, including but not limited to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX among others XXXX have engaged in unauthorized credit pulls without my consent . This has directly impacted my credit score and financial standing, hindering my ability to secure favorable financing terms for essential life necessities, such as housing and transportation.

Furthermore, I've come across unfamiliar account entries, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that I can not recognize or associate with my financial history. These unverified accounts have contributed to a sense of insecurity and helplessness as I grapple with their implications on my creditworthiness and financial future.

The toll of these violations goes beyond just numbers on a credit report. They have had a profoundly emotional impact on my life. Imagine constantly facing rejection for housing rentals or being unable to provide reliable transportation for my family due to these inaccuracies. The financial stress and emotional burden resulting from these violations have taken a toll on my mental health and overall quality of life.

I am seeking your assistance and intervention to enforce the legal protections provided by the aforementioned laws. I implore you to investigate these egregious violations and work towards rectifying the damage that has been done. Furthermore, I request that you ensure the following actions are taken by the respective creditors : Remove all unauthorized and unverified credit inquiries and account entries from my credit report immediately.

Update my personal information to reflect accurate and current details.

Provide written confirmation of the actions taken to address these violations and their effects.

In closing, I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I kindly request that you treat this dispute with the urgency and seriousness it deserves, given the profound impact it has had on my life. 

Thank you for your time and consideration. 

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