Consumer complaint received 2023-08-16
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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you in a state of distress and urgency, seeking your assistance in enforcing my rights as a consumer and resolving the troubling violations I've encountered regarding my credit report. I beseech you to consider my situation carefully, as it has deeply affected my life and well-being. 

My ordeal involves a series of apparent violations under the Fair Credit Reporting Act ( FCRA ), as well as other relevant consumer protection laws. The violations I wish to bring to your attention include : Unauthorized Inquiries ( FCRA - Fair Credit Reporting Act ) : Section 604 ( a ) ( 3 ) ( B ) - Unauthorized Access Section 604 ( a ) ( 3 ) ( F ) ( i ) - Misuse of Information Questionable Account Information ( FCRA - Fair Credit Reporting Act ) : Section 605 ( b ) ( 1 ) - Accuracy of Report Information Section 605 ( a ) - Reinvestigation of Disputed Information Section 605 ( c ) ( 1 ) - Reinsertion of Previously Deleted Information Incorrect Personal Information ( FCRA - Fair Credit Reporting Act ) : Section 605 ( a ) - Reinvestigation of Disputed Information Section 605 ( c ) ( 1 ) - Reinsertion of Previously Deleted Information This tangled web of violations has shaken the foundation of my financial stability and caused me untold emotional distress. Permit me to share a glimpse into how these violations have wreaked havoc on my life : As a single parent, I have dedicated my life to providing the best possible future for my children. Every day, I strive to maintain a sense of stability and financial security for them. However, the unauthorized inquiries from entities such as XXXX, XXXX, XXXX, and XXXX have left me feeling vulnerable and powerless. I find myself questioning the sanctity of my financial information and the security of my personal data. 

Moreover, the questionable account information associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  has led me down a path of confusion and uncertainty. It's as though my financial identity has been splintered, leaving me unsure of how to navigate the credit landscape. This uncertainty has extended beyond numbers and reports ; it has seeped into my psyche, leaving me feeling emotionally and mentally burdened. 

To make matters worse, the inclusion of incorrect personal information, including outdated addresses that have no connection to me, has tarnished my reputation and credibility. These inaccuracies have led to misunderstandings that I've had to tirelessly unravel, often at the cost of precious time that I would have otherwise spent with my XXXX. 

My plea to you is not just to correct these violations, but to understand the profound impact they have on my life and the lives of those who depend on me. I stand before you as a person who has fought to overcome adversity, but who is now confronted by a system that seems indifferent to my struggles. 

I implore you to enforce the legal protections that are in place to prevent such violations. I earnestly request that you investigate the actions of these creditors and ensure that they are held accountable for their breaches. Specifically, I beseech you to work towards the following resolutions : Remove the unauthorized inquiries from my credit report, in accordance with FCRA Section 604 ( a ) ( 3 ) ( B ) and Section 604 ( a ) ( 3 ) ( F ) ( i ).

Verify or remove the questionable account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX adhering to FCRA Section 605 ( b ) ( 1 ), Section 605 ( a ), and Section 605 ( c ) ( 1 ).

Correct the incorrect personal information, especially the outdated addresses, as required by FCRA Section 605 ( a ) and Section 605 ( c ) ( 1 ).

I humbly request your intervention to bring justice to this situation and restore the dignity and stability that I, as a hardworking individual, deserve. My children deserve a life free from the burdens of these violations, and I am committed to doing everything in my power to secure that future for them.

Please feel free to contact me at [ your phone number ] or [ your email address ] for any additional information or documentation you may require to address this matter.

Thank you for your understanding, compassion, and dedication to ensuring fair treatment and protection for 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