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 XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention several violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which have had a profound and distressing impact on my financial well-being and personal life. I kindly request your intervention and enforcement of my legal rights in addressing these issues. 

Unauthorized Credit Inquiries : I have recently discovered multiple unauthorized credit inquiries on my credit report, without my consent or authorization, potentially violating the Fair Credit Reporting Act ( FCRA ). These unauthorized inquiries have caused unnecessary stress and concern as I strive to maintain financial stability. Specifically, the unauthorized inquiries from the following entities have been identified : XXXX XXXX XXXX of ( Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date : XXXX XXXX XXXX XXXXXXXX ( Date : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXXXXXX XXXX ( Date : XX/XX/XXXX ) XXXXXXXX XXXX ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) XXXXXXXX XXXX  XXXX ( Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) The unauthorized inquiries have greatly disrupted my financial peace of mind and have hindered my ability to make informed decisions. 

Inaccurate Credit Reporting : Furthermore, I have identified inaccurate reporting of payment history on my credit report, particularly associated with the account linked to XXXX. This inaccurately reported payment history has negatively impacted my credit score, hindering my ability to secure favorable credit terms and financial opportunities. This potential violation of the FCRA, specifically Section 623 ( a ) ( 2 ), has resulted in undue stress and difficulty in managing my financial obligations. 

Reporting Incorrect Personal Information : I bring to your attention the inaccurate reporting of personal address information, specifically addresses associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXXXXXX XXXX XXXX XXXX CA XXXX. This misinformation may potentially violate the FCRA, particularly Section 607 ( b ), which mandates consumer reporting agencies to maintain accurate and reasonable procedures for verifying consumer information. 

Reporting Unrecognized Account : A deeply concerning issue is the presence of an account from XXXX XXXX on my credit report, an account that I have no recollection of authorizing or associating with. This raises concerns about potential Fair Debt Collection Practices Act ( FDCPA ) violations, particularly under Section 808. This situation has caused severe emotional distress and has significantly affected my financial stability. 

Demands for Removal : In light of the aforementioned violations, I respectfully request that the aforementioned entities promptly remove the unverified accounts, unauthorized credit inquiries, and inaccurate information from my credit report. I implore your assistance in ensuring that these violations are rectified without delay, as they have inflicted significant emotional distress and hindered my ability to pursue financial stability. 

I appreciate your attention to this matter and your dedication to upholding consumer rights. I kindly request that you provide updates on the progress of this dispute and any actions taken to enforce my legal rights. 

Thank you for your prompt attention to this serious 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