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 XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute the presence of certain accounts on my credit report that appear to be unverified and the potential violations of the Fair Credit Reporting Act ( FCRA ) by the involved creditors. I am seeking your assistance in addressing this matter to ensure the enforcement of my rights under the FCRA. 

The information outlined below highlights the violations and inaccuracies that have come to my attention : XXXX XXXX XXXXXX/XX/XXXX : Violation : Unauthorized credit pull XXXX  : Account number : XXXX Violation : Inaccurate reporting of payment history XXXX XXXX XXXXXX/XX/XXXX : Violation : Unauthorized credit pull XXXX XXXX XXXX XXXXXX/XX/XXXX : Violation : Unauthorized credit pull XXXX  : Account number : XXXX Violation : Inaccurate reporting of payment history XXXX XXXX XXXX XXXX XXXX : Account number : Name Violation : Incorrect personal information XXXX XXXX XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX  XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX : Account number : XXXX Violation : Inaccurate reporting of payment history XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation XXXX XXXX credit pulXXXX XXXX : Account number : XXXX Violation : Inaccurate reporting of payment XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXXXXXX XXXX XXXX  Account number : XXXX, XXXX Violation : Incorrect account ownership XXXX | XX/XX/XXXX, XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate reporting of payment history XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Account number XXXX Address Violation : Incorrect personal information XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation XXXX Unauthorized credit pull XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX : Account number : XXXX Violation : Inaccurate reporting of payment history XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX  : Account number : XXXX Violation : Inaccurate reporting of payment history XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Account number : Address Violation : Incorrect XXXX information XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pulXXXX XXXX XXXX XXXX  : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX : Account number : XXXX Violation : Inaccurate reporting of payment history XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXXE : Account number : XXXX Violation : Inaccurate reporting of payment history XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pulXXXX XXXX XXXX  : Account number XXXX XXXX, XXXX Violation : Incorrect account ownership XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXX XXXX  XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull XXXX XXXX XXXX Account number : XXXX Violation : Inaccurate reporting of payment history Based on the aforementioned violations and inaccuracies, I am requesting the immediate removal of these unverified accounts from my credit report. I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and work diligently to ensure that my consumer rights are upheld. 

I eagerly await your response and resolution of this dispute. Please feel free to contact me at ( XXXX ) XXXX or XXXX if further clarification or information is needed. 

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