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, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally file a dispute and seek enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ) against multiple creditors, as outlined below. These violations have caused significant distress and hardship for me, and I implore you to take appropriate actions to rectify this situation. 

The violations I have encountered pertain to the following laws and regulations : Unauthorized Inquiry ( FCRA - Fair Credit Reporting Act ) : XXXX XXXX  - Inquiry Date : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX These unauthorized inquiries have unfairly impacted my credit report, despite my having no recollection of authorizing these credit pulls. These inquiries have directly affected my ability to secure favorable lending terms, hindering my financial progress. 
Questionable Account Information ( FCRA - Fair Credit Reporting Act ) : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX The inclusion of these accounts on my credit report with questionable account names and numbers has created confusion and uncertainty. I demand that these accounts be clarified or removed immediately from my credit report. 
Incorrect Personal Information ( FCRA - Fair Credit Reporting Act ) : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX inaccuracies in my personal information have led to erroneous credit reporting. These discrepancies have caused further distress and hindered my ability to secure housing and employment opportunities. 
I must emphasize the emotional toll these violations have taken on my life. The constant worry and frustration of trying to navigate these inaccuracies have left me feeling helpless and anxious. As a result, I have been denied favorable lending terms, encountered difficulties in securing a new home, and even faced challenges in my pursuit of employment. These injustices have shaken my sense of financial stability and well-being. 

In light of the aforementioned violations, I kindly request the following : Enforce Legal Rights : I urge you to enforce the legal protections afforded by the Fair Credit Reporting Act and other relevant regulations. These violations have had a profound impact on my life, and I implore you to hold the responsible creditors accountable for their actions. 

Removal of Unverified Accounts : I request the immediate removal of the unverified accounts with questionable information from my credit report. I believe it is crucial for my financial well-being that these discrepancies are resolved promptly. 

In closing, I am hopeful that the Consumer Financial Protection Bureau will take this matter seriously and facilitate a resolution that not only corrects the violations but also restores my peace of mind. I am prepared to provide any necessary documentation and evidence to support my claims. 

Thank you for your attention to this matter. I eagerly await your response and the resolution of these deeply troubling violations. 

Sincerely, 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