Consumer complaint received 2023-08-12
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 SS # : XXXX | Date of Birth : XX/XX/1994 To Whom It May Concern, I am writing to bring to your attention a matter of utmost importance regarding my credit report. I am deeply concerned about the multiple violations of my rights under applicable laws, and I am seeking your assistance in ensuring that my legal rights are upheld. 

Over the past months, I have faced numerous challenges stemming from inaccuracies and unauthorized inquiries on my credit report, causing considerable distress and impacting my personal and financial well-being. The violations I have identified are as follows : Unauthorized Inquiries : A series of unauthorized credit inquiries by various entities, including but not limited to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, have been conducted without my consent. These unauthorized inquiries have not only disrupted my financial stability but have also raised concerns about the security of my personal information. 
Inaccurate Personal Information : My credit report contains incorrect information about my previous addresses. Specifically, the address records for both XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have been inaccurately associated with one another, leading to further confusion and potential misreporting of my credit history. 
Unverified Accounts : Additionally, I have identified unverified accounts associated with my credit report. These unverified accounts have not been properly substantiated, and their presence has led to an unfair depiction of my creditworthiness and financial standing. 
The impact of these violations on my life has been profound and distressing. The inaccuracies and unauthorized inquiries have caused uncertainty and anxiety, affecting my ability to secure favorable credit terms for essential life purchases, such as a home, a car, and even educational opportunities for my children. These inaccuracies have painted a skewed image of my creditworthiness, which does not accurately reflect my responsible financial behavior. 

I implore you to understand the emotional toll that these violations have taken on my life. The sleepless nights worrying about my family 's future, the stress of being denied opportunities due to misreported credit, and the frustration of feeling powerless against these errors have left me desperate for a resolution. 

In light of the aforementioned violations and the profound impact they have had on my life, I respectfully request the following actions : Enforcement of Legal Rights : I urge you to enforce the relevant laws and regulations that protect consumers like me from unauthorized inquiries and inaccurate reporting on credit reports. 
Removal of Unverified Accounts : I kindly request that the creditors associated with the unverified accounts on my credit report promptly remove these entries, as they have not been properly substantiated. 
I believe that the Consumer Financial Protection Bureau has a pivotal role to play in safeguarding the rights of consumers against such violations. I am hopeful that you will take my plea seriously and work towards rectifying these issues, not just for my own sake, but for the countless individuals who may face similar hardships. 

I appreciate your attention to this matter and eagerly await your response. If necessary, I am willing to provide any additional documentation or information to support the resolution of these violations. 

Thank you for your time and understanding. 

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