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 XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1984 SS # : XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of federal laws related to consumer protection and credit reporting, as outlined by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). I kindly request your assistance in enforcing my legal rights and addressing these matters with the respective creditors. 

The violations I am raising concern about have had a profound impact on my life, affecting my financial well-being and emotional state. These violations have caused undue stress, XXXX, and uncertainty, as my credit report contains inaccuracies and questionable information that tarnish my creditworthiness and personal integrity. 

Unauthorized Inquiries and Inaccurate Account Reporting : Several creditors, namely XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, and others, have made unauthorized inquiries into my credit report without my consent. These inquiries were conducted on various dates, as specified in my previous correspondence. These unauthorized inquiries have left me feeling powerless and violated, as my personal information was accessed without my knowledge or permission. 

Furthermore, there are instances where my account information has been inaccurately reported, leading to incorrect representations of my credit history. For example, the accounts associated with XX/XX/XXXXXX/XX/XXXX( Account Number : XXXX ), XX/XX/XXXXXXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and others have been inaccurately reported, impacting my credit score and potential lending opportunities. These inaccuracies have caused unjust hardships and hindered my ability to secure favorable financial terms when needed. 

Personal Impact : I want to emphasize the personal toll these violations have taken on my life. The stress and emotional distress resulting from the inaccuracies and unauthorized inquiries have disrupted my peace of mind. As I strive to manage my finances responsibly, I find myself facing obstacles that were not of my making. This situation has affected not only my ability to secure loans and credit but has also caused significant XXXX  and sleepless nights. 

Request for Action : I implore the Consumer Financial Protection Bureau to enforce my legal rights and ensure that these violations are addressed promptly. I kindly request that you work with the respective creditors to investigate and rectify the unauthorized inquiries and inaccuracies on my credit report, specifically related to the accounts listed below : XX/XX/XXXX ( Account Number : XXXX ) XX/XX/XXXXXXXX ( Account Number : XXXX ) XX/XX/XXXX ( Account Number : XXXX XX/XX/XXXX ( Account Number : XXXX ) I believe that the removal of these unverified accounts from my credit report is essential to restoring my financial well-being and mental peace. 

I appreciate your attention to this matter and your commitment to protecting consumers ' rights. Please keep me informed of the progress made in addressing these violations and seeking resolution with the creditors. I look forward to a favorable outcome that will help alleviate the burdens caused by these unjust circumstances. 

Thank you for your time and consideration. 

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