Consumer complaint received 2023-08-11
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 To Whom It May Concern, I am writing to formally dispute the accuracy of certain information on my credit report, as well as to assert my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered discrepancies in the information being reported, and I kindly request your immediate attention to this matter. 

I believe that certain accounts listed on my credit report are inaccurate and potentially unverified. I wish to emphasize that the reported information is having a profound impact on my life. To provide you with a better understanding of the significance of this issue, I would like to share a personal story that illustrates the emotional toll these inaccuracies are taking. 

The implications of these inaccuracies are not limited to mere numbers on a credit report. They have seeped into every aspect of my life, causing untold stress and hardship. The thought of being unfairly penalized due to incorrect information is overwhelming, and it has led to sleepless nights and constant XXXX 

In light of the circumstances, I urge you to enforce the legal protections afforded to consumers under the FCRA. Specifically, I am requesting the following actions : Investigate the accuracy and legitimacy of the accounts associated with the following details : XXXX  : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull. 
Action Needed : Demand for removal of unauthorized credit pull. 
XXXX XXXX : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXXXXXX XXXX XXXX : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXX XXXX : Account number : XXXX Violation : Potentially questionable account that you don't recognize. 
Action Needed : Request for investigation and removal if the account isn't valid. 
XXXX XXXX : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXX XXXX : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized credit pull. 
Action Needed : Demand for removal of unauthorized credit pull. 
XXXX : Account number : XXXX Violation : Potentially questionable account. 
Action Needed : Request for clarification or removal if the account isn't valid. 
XXXX  XXXX : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXX XXXX XXXX  : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXX XXXX XXXXXXXX : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Potential inaccurate reporting of payment history. 
Action Needed : Request for correction and immediate removal of inaccurate information. 
XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect personal information. 
Action Needed : Request for immediate removal of incorrect address. 
XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect personal information. 
Action Needed : Request for immediate removal of incorrect address. 

I understand that your organization plays a crucial role in ensuring the fairness and accuracy of credit reporting, and I trust that you will give this matter the attention it deserves. I appreciate your prompt resolution of this dispute and your assistance in alleviating the burdens I have been facing due to these inaccuracies. 

Please provide me with written confirmation of your actions as well as any updates on the progress of this dispute. You may contact me at [ Email Address ] or [ Phone Number ] to discuss any necessary steps or to obtain additional information. 

Thank you for your understanding and cooperation. I look forward to a positive resolution of this 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