Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: MN
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, MN XXXX SSN : XXXX DOB : XX/XX/XXXX I hope this letter finds you well. I am writing to bring to your attention a series of concerning violations of consumer protection laws that have had a profound impact on my life and financial well-being. I implore the Consumer Financial Protection Bureau to take immediate and assertive action in enforcing these laws against the responsible creditors. The violations, detailed below, have caused significant distress and disruption in my life, underscoring the urgency of your intervention. 

The following creditors have engaged in practices that appear to violate essential consumer protection laws : Unauthorized Inquiry ( FCRA 604 ) : XXXX XXXX | Date : XX/XX/XXXX Inaccurate Reporting ( FCRA 623 ) : XXXX XXXX | Account Number : XXXX XXXX XXXX | Account Number : XXXX XXXX | Account Number : XXXX XXXX XXXX XXXX | Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX | Date : XX/XX/XXXX XXXX XXXX XXXX | Account Number : XXXX XXXX | Account Number : XXXX XXXX | Account Number : XXXX XXXX XXXX XXXX MN XXXX ( Address ) XXXX XXXX XXXX XXXX MN XXXX ( Address )  XXXX XXXX XXXX MN XXXX ( Address ) XXXX XXXX  XXXX MN XXXX ( Address ) XXXX XXXX XXXX AZ XXXX ( Address ) XXXX XXXX XXXX XXXX MN XXXX ( Address ) I wish to emphasize that these violations have not only impacted my financial stability but have also taken a severe emotional toll on my well-being. The constant stress, XXXX, and frustration stemming from these inaccurate and unverified entries on my credit report have consumed my thoughts and affected my overall quality of life. The uncertainty surrounding these accounts has prevented me from pursuing important life goals, such as securing housing and financing for education, placing me in a state of constant worry. 

Furthermore, allow me to share a personal story illustrating the real-life consequences of these violations : As a hardworking individual who has diligently managed their finances, I was devastated to discover that my credit report had been tarnished by inaccurate and unverified accounts. This has had a cascading effect on my ability to access reasonable credit terms, resulting in missed opportunities to purchase a much-needed vehicle for my family. The inability to secure reliable transportation has hindered my ability to commute to work consistently, affecting my employment stability and putting my livelihood at risk. 

I firmly believe that these violations not only infringe upon my rights as a consumer but also undermine the fundamental principles of fairness and accuracy that underpin our financial system. I implore the Consumer Financial Protection Bureau to leverage its authority to enforce the applicable laws and hold the responsible creditors accountable for their actions. 

In light of the aforementioned violations, I humbly request that the Consumer Financial Protection Bureau takes the necessary steps to ensure the removal of these unverified and inaccurate accounts from my credit report. Doing so would provide me with the opportunity to rebuild my financial standing, regain my peace of mind, and move forward toward a more secure future. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will use its influence to rectify these injustices and uphold the rights of consumers like myself. 

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