Consumer complaint received 2023-08-11
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, CA XXXX SSN : XXXX XXXX : XX/XX/2001 Dear Sir/Madam, I am writing to formally dispute several inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) that have been impacting my credit report and, consequently, my financial well-being. I kindly request your assistance in investigating and resolving these matters to enforce my legal rights. 

The violations I wish to bring to your attention are as follows : Inaccurate Reporting by XXXX XXXX ( Account Number : XXXX ) : I have discovered inaccurate information on my credit report related to an account with XXXX XXXX. This account has never been paid late, yet it is being reported as such. This misleading reporting is severely damaging my credit and hindering my ability to secure favorable terms for loans and financial arrangements. 

Unauthorized Credit Pulls : There are multiple instances of unauthorized credit inquiries on my report, namely by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Auto, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX of XXXX. I have no recollection of authorizing these credit pulls, and their presence on my report is unwarranted. 

Unclear Account Information by XXXX XXXX Account Number : XXXX ) : The account information provided by XXXX is questionable , and the account name and number are unclear. This lack of clarity poses a risk of misidentification and potential harm to my credit standing. 

Incorrect Personal Information : Additionally, there are inaccuracies in my personal information on my credit report. Specifically, the addresses listed as " XXXX XXXX XXXX CA XXXX '' and " XXXX XXXX XXXX XXXX XXXX CA XXXX '' are not accurate representations of my residential history. 

I am deeply concerned about the impact these violations have had on my life. The inaccuracy in reporting by XXXX XXXX has led to denied opportunities for financing, and the unauthorized credit pulls have compromised my privacy and creditworthiness. These issues have caused immense stress and XXXX, impacting my ability to secure housing, employment, and essential services. 

I want to share a personal story illustrating how these violations have affected my life. I recently applied for a mortgage to purchase my first home, a dream I have been working tirelessly to achieve. However, due to the inaccuracies on my credit report, my mortgage application was denied, and I faced the heartbreak of losing out on a home that I had envisioned as a place of security and happiness for my family. The emotional toll of this ordeal has been overwhelming, and I implore you to consider the profound impact of these violations on my life and future prospects. 

In light of the aforementioned violations and their devastating consequences, I respectfully request the following actions : Conduct a thorough investigation into the inaccuracies and violations outlined above, in accordance with the FCRA. 
Enforce the appropriate legal measures to rectify the inaccuracies in my credit report and to hold the responsible creditors accountable for their actions. 
Request that the unverified and unauthorized accounts mentioned above be promptly removed from my credit report to restore its accuracy and integrity. 
I appreciate your attention to this matter and your dedication to upholding consumer rights. I kindly request a prompt response to this dispute, including details of the actions taken to address the violations and rectify the inaccuracies on my credit report. 

Thank you for your time and assistance in resolving this critical issue. I look forward to a swift and just resolution that will restore my financial well-being and allow me to pursue my goals without further impediment. 

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