Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: AZ
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, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I hope this message finds you well. I am writing to bring to your attention a matter of utmost concern regarding numerous discrepancies and potential violations that have significantly impacted my financial well-being. I implore you to enforce my legal rights and ensure that my credit report is accurately and fairly represented, in accordance with the applicable laws and regulations.

The violations I have identified pertain to multiple sections of key legislation, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), Identity Theft and Assumption Deterrence Act, Gramm-Leach-Bliley Act ( GLBA ), and Consumer Financial Protection Bureau ( CFPB ) regulations. I believe that my rights under these laws have been compromised due to a series of actions by various creditors and data furnishers.

Allow me to share a deeply personal story of how these discrepancies have profoundly affected my life : [ Share your personal story here, focusing on emotional impact and financial hardships caused by the inaccurate information on your credit report. Include details such as how the discrepancies have hindered your ability to secure loans, housing, employment opportunities, and any emotional distress caused by the situation. ] I am devastated by the adversities I've faced as a result of these inaccuracies. They have led to undue stress, financial instability, and a profound sense of helplessness. It is my fervent hope that my story resonates with you and emphasizes the urgent need for corrective action. 

Given the aforementioned violations, I kindly request the following actions be taken : Investigation and Verification : I request a thorough investigation into the accuracy of the accounts listed on my credit report. I urge that the creditors verify the legitimacy and accuracy of each account in question, in line with the provisions set forth by the FCRA ( Sections : 15 U.S.C. 1681-1681x ) and other relevant laws.

Removal of Unverified Accounts : I implore the concerned creditors to promptly remove any accounts that can not be verified to be accurate and valid. These unverified accounts are tarnishing my credit profile and causing significant harm to my financial future.

Compensation for Damages : Considering the emotional distress, financial difficulties, and opportunities I've lost due to these inaccuracies, I request that I be appropriately compensated for the damages incurred as a result of the violations under the relevant laws.

The specific accounts that I dispute are as follows, along with the corresponding violations : XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 
XXXX  : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this informaon to me or delete this account immediately from my credit report. 
XXXX XXXX  XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 

I sincerely hope that my plea is heard and that the necessary actions are taken to rectify this situation. My life has been profoundly affected, and I believe it is your responsibility as the Consumer Financial Protection Bureau to ensure that my rights are upheld and justice is served.

I kindly request a written response outlining the steps that will be taken to address these violations and rectify the inaccuracies on my credit report. Your assistance in resolving this matter is greatly appreciated, and I am hopeful that together, we can restore my financial well-being and provide a fair opportunity for me to rebuild my life.

Thank you for your attention to this urgent matter. 

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 explanation