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, CA XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, which has had a profoundly detrimental impact on my financial well-being and overall quality of life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws to rectify these unjust violations. 

The inaccurate reporting by the following creditors has led to a series of misrepresentations that have adversely affected my creditworthiness and financial opportunities : Violations : Inaccurate Reporting ( FCRA Section 611 ) XXXX XXXX : Account number : 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. 

Violations : Inaccurate Reporting ( FCRA Section 611 ) XXXX : Account number : 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. 

Violations : Inaccurate Reporting ( FCRA Section 611 ) XXXX XXXX : Account number : 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. 

Violations : Inaccurate Reporting ( FCRA Section 611 ) XXXX : Account number : 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. 

Violations : Inaccurate Reporting ( FCRA Section 611 ) XXXX : Account number : 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. 

Violations : Unauthorized Credit Pull ( FCRA Section 604, Unauthorized Inquiries ) XXXX 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. 

Violations : Unauthorized Credit Pull ( FCRA Section 604, Unauthorized Inquiries ) XXXX 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. 

Violations : Unauthorized Credit Pull ( FCRA Section 604, Unauthorized Inquiries ) XXXX XXXX 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. 

The following personal information is incorrect. This address belongs to someone else. Delete it from my report immediately. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These creditors have violated provisions of the Fair Credit Reporting Act ( FCRA ), including Sections 611 and 604, by inaccurately reporting information on my credit report and conducting unauthorized credit inquiries. These violations have far-reaching consequences that extend beyond mere financial matters. 

Allow me to share a deeply personal account of how these violations have wreaked havoc on my life. The inaccuracies on my credit report have made it nearly impossible to secure favorable lending terms, obtain reasonable insurance premiums, or even secure housing for my family. The emotional distress caused by these circumstances has taken a toll on my mental well-being, affecting my ability to focus on my work, provide for my loved ones, and plan for the future. 

As a result of these erroneous entries, I have faced denial of credit applications, higher interest rates, and even missed opportunities for employment due to the tarnished image painted by my credit report. These experiences have created a persistent sense of XXXX and helplessness, as I work tirelessly to rectify an injustice that should never have occurred. 

I implore you to leverage the Fair Credit Reporting Act ( FCRA ), Identity Theft Laws, and State Consumer Protection Laws to ensure that these violations are addressed promptly and fairly. I kindly request that the creditors listed above be required to remove these unverified accounts from my credit report, restoring accuracy and integrity to my financial profile. 

In closing, I recognize that the legal landscape surrounding these matters can be complex and multifaceted. I intend to consult a legal professional to provide more precise information pertaining to my jurisdiction and specific case. Your guidance and support in this matter are of paramount importance to me, and I am hopeful that you will assist in upholding the principles of fairness, accuracy, and justice that our legal system is founded upon. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of these violations. 

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 non-monetary relief