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 XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX SSN : XXXX XXXX : XX/XX/XXXX I am writing to bring to your immediate attention the distressing violations of the Fair Credit Reporting Act ( FCRA ) and associated consumer protection laws by several creditors. The violations described below have had a profound impact on my life, and I implore you to enforce the legal provisions to rectify these injustices. 

I am a hardworking individual who has always prided myself on maintaining financial responsibility and integrity. However, the recent actions of certain creditors have plunged me into a state of XXXX XXXX XXXX undermining my efforts to secure a stable financial future. 

XXXXXXXX XXXX  : Account number : XXXX Violation : Inaccurate Reporting of Account Payment History XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX  Violation : Unauthorized Credit Pull Reported Without Consent XXXX XXXX : Account number XXXX XXXX Violation : Inaccurate Reporting of Account Payment History XXXX : Account number : XXXX Violation : Inaccurate Reporting of Account Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Reporting of Personal Information ( Address ) XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Reporting of Personal Information ( Address ) XXXX XXXX XXXX XXXX XXXX : Account number : XXXX  Violation : Unauthorized Credit Pull Reported Without Consent XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting of Account Payment History XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting of Account Payment History XXXX : Account number : XXXX Violation : Inaccurate Reporting of Account Payment History XXXX XXXX XXXX XXXX XXXX CA XXXX Violation : Incorrect Reporting of Personal Information ( Address ) These violations have inflicted emotional distress on me, causing XXXX nights, XXXX XXXX and feelings of helplessness. The inaccuracies in reporting have not only damaged my credit, but they have also shaken my confidence in the financial system that should protect consumers like myself. 

I am particularly outraged by the disregard for my rights as a consumer, and the emotional toll these violations have exacted on my life. These experiences have left me feeling vulnerable and powerless, as my sincere efforts to maintain financial stability have been overshadowed by the negligence of these creditors. 

Therefore, I kindly request that the Consumer Financial Protection Bureau take swift and decisive action to address these violations. I implore you to enforce the legal provisions of the FCRA and other relevant consumer protection laws to ensure that these creditors remove the unverified and inaccurate accounts from my credit report. 

Furthermore, I urge you to hold these creditors accountable for the emotional distress they have caused, not only to me but to countless other consumers who may be similarly affected by their actions. 

Please consider my plea for justice and restitution earnestly. I look forward to your prompt response and actions to remedy this distressing situation. Thank you for your attention to this matter. 

Sincerely, XXXX 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