Consumer complaint received 2023-08-14
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 XXXX : XX/XX/XXXX I am writing to lodge a formal dispute regarding multiple violations of federal laws, specifically the Fair Credit Reporting Act ( FCRA ), and to request your intervention in enforcing my legal rights as a consumer. The discrepancies I am facing have not only caused significant financial distress but have also profoundly impacted my personal life. 

I have identified several instances where my rights under the FCRA have been disregarded by various creditors and credit reporting agencies. I implore you to take immediate action to address these violations, ensuring that my consumer rights are upheld and that I am not unfairly burdened by inaccuracies on my credit report. 

Violation Details and Impact on My Life : Experian : XXXX - XXXX | XX/XX/XXXX : Violation : Unauthorized credit pull ( FCRA 604 ( a ) ( 3 ) ( B ) ) Impact : This unwarranted credit inquiry has caused significant distress as I have no recollection of authorizing this credit pull. It has affected my peace of mind and heightened my XXXX over potential identity theft or fraud. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Violation : Unauthorized credit pull ( FCRA 604 ( a ) ( 3 ) ( B ) ) Impact : The unauthorized credit inquiry has cast doubt on the security of my personal information, making me question the integrity of my financial transactions. 

XXXX XXXX XXXX XXXX : Violation : Inaccurate reporting ( FCRA 607 ( a ) ) Impact : The erroneous information reported by XXXX XXXX XXXX XXXX has tarnished my credit history unfairly. This has resulted in my inability to secure favorable terms for loans, impacting my ability to provide for my family and plan for our future. 

XXXX : XXXX XXXX XXXX | XX/XX/XXXX : Violation : Unauthorized credit pull ( FCRA 604 ( a ) ( 3 ) ( B ) ) Impact : The unauthorized inquiry has left me feeling violated and helpless, questioning the safeguarding of my confidential data. 
XXXX : XXXX XXXX XXXXXX/XX/XXXX : Violation : Unauthorized credit pull ( FCRA 604 ( a ) ( 3 ) ( B ) ) Impact : This unauthorized credit inquiry has added to my distress and has shaken my confidence in the financial system 's ability to protect my personal information. 
Request for Enforcement and Corrective Action : In light of the aforementioned violations, I earnestly request that you enforce my rights under the FCRA and take the necessary steps to ensure these unverified accounts are promptly removed from my credit report. The inaccuracies and unauthorized inquiries have had a profound emotional impact on my life, and I implore you to rectify this situation in the interest of fairness and justice. 

Furthermore, I share my personal story not only to emphasize the gravity of the violations but also to highlight the emotional toll this has taken on me and my family. I believe that my experiences serve as a reminder that behind each credit report is a human being whose life can be deeply affected by the actions of creditors and credit reporting agencies. 

I kindly request that you investigate these violations and work towards a resolution that restores accuracy and fairness to my credit report. Your intervention is not only crucial for my financial well-being but also for my peace of mind and emotional stability. 

Thank you for your attention to this matter, and I eagerly await your response and resolution. 

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 non-monetary relief