Consumer complaint received 2023-08-14
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 XXXXXXXX XXXX XXXX XXXX XXXX Arizona XXXX Date of Birth : XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute several violations of the Fair Credit Reporting Act ( FCRA ) that have deeply impacted my life and financial well-being. I kindly request your intervention to enforce my legal rights and facilitate the necessary actions to rectify these violations. 

I must emphasize the profound effects these violations have had on my life, not merely as a matter of financial inconvenience, but as a deeply personal struggle that has caused immense emotional distress. The following list of violations, along with my personal story, reflects the extent of these violations : FCRA Violation - Inaccurate Personal Information : The reporting of an incorrect previous address, specifically listed as " XXXX XXXX XXXX XXXX XXXX, AZ XXXX, '' has caused considerable confusion and distress for me. This misinformation has led to misunderstandings with creditors, affecting my ability to secure necessary financial resources. 

FCRA Violation - Unauthorized Inquiries ( XXXX XXXX XXXX  ) : The unauthorized credit pull by XXXX XXXX XXXX on XX/XX/XXXX has left me feeling vulnerable and violated. I have no recollection of authorizing this inquiry, and I am deeply troubled by the lack of respect for my privacy. 

FCRA Violation - Unauthorized Inquiries ( XXXX XXXXXXXX XXXX ) : The unauthorized credit pull by XXXX XXXX XXXX on XX/XX/XXXX has only added to my distress. I was not informed of or consented to this inquiry, further eroding my trust in the integrity of credit reporting practices. 

FCRA Violation - Unauthorized Inquiries ( XXXX XXXX ) : The unauthorized credit pull by XXXX XXXX XXXX XXXX has added unnecessary stress to an already challenging financial situation. The disregard for my consent and the potential consequences of such inquiries have been distressing. 

FCRA Violation - Unauthorized Inquiries ( XXXX XXXX XXXX XXXX  ) : The unauthorized credit pull by XXXXXXXX XXXX on XX/XX/XXXX has left me questioning the safety of my personal information. The lack of transparency in these actions is deeply concerning and has further exacerbated my emotional distress. 

FCRA Violation - Unauthorized Inquiries ( XXXX XXXX XXXX XXXX ) : The unauthorized credit pull by XXXXXXXX XXXX on XXXX  has compounded my feelings of helplessness and vulnerability. I have no recollection of authorizing this inquiry, and the subsequent impact on my financial well-being is concerning. 

FCRA Violation - Questionable Account Information ( XXXX XXXX - Account Number : XXXX ) : The presence of an account identified as " XXXX XXXX '' with account number XXXX raises significant concerns. The ambiguity surrounding this account has fueled my anxiety and affected my ability to navigate my financial obligations confidently. 

FCRA Violation - Unauthorized Inquiries ( XXXX XXXX XXXX  ) : The unauthorized credit pull by XXXX on XXXX has left me feeling powerless in my attempts to protect my financial privacy. This intrusion into my personal information has deepened my distress. 

FCRA Violation - Questionable Account Information ( XXXX XXXX - Account Number : XXXX ) : The presence of another account identified as " XXXX XXXX '' with account number XXXX only intensifies my feelings of uncertainty and frustration. The unverified nature of this account leaves me unable to determine its legitimacy and casts doubt on my credit report 's accuracy. 

FCRA Violation - Questionable Account Information ( XXXX XXXX - Account Number : XXXX ) : The persistence of the account identified as " XXXX XXXX '' with account number XXXX has contributed to my sense of hopelessness. The absence of clear information has hindered my ability to address and rectify this issue. 

These violations have taken a significant toll on my emotional well-being. The constant fear of unauthorized inquiries, the distress of inaccurate personal information, and the uncertainty surrounding questionable account details have left me anxious and overwhelmed. The credit reporting system, which is meant to reflect one 's financial history accurately, has instead become a source of anguish. 

In light of these violations and the significant emotional distress they have caused, I kindly request the following actions : Investigate and Correct Inaccurate Information : I request a thorough investigation into the reported inaccuracies and the removal of any erroneous information from my credit report. 

Remove Unauthorized Inquiries : I ask for the immediate removal of all inquiries that I did not authorize, as they directly violate my right to privacy and accurate reporting. 

Address Questionable Account Information : Either provide clear and verified information regarding the questionable accounts or remove them from my credit report to alleviate my anxiety and uncertainty. 

I implore you to enforce the legal protections granted by the FCRA to ensure that my rights are upheld and my emotional well-being is safeguarded. I trust that the Consumer Financial Protection Bureau will play a vital role in restoring my faith in the credit reporting system and securing my financial future. 

I have attached relevant documentation as evidence of these violations. I kindly request your prompt attention to this matter and an update on the progress of my case. Thank you for your dedication to consumer protection and your commitment to resolving these issues. 

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