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 I am writing to formally dispute several violations of consumer protection laws that have adversely affected my financial well-being and request your assistance in enforcing my legal rights. The violations pertain to the Fair Credit Reporting Act ( FCRA ) and involve unauthorized inquiries and inaccurate personal information on my credit report. 

Unauthorized Inquiries : On XX/XX/XXXX, an unauthorized credit inquiry was made by XXXXXXXX XXXX without my knowledge or consent. Similarly, on XX/XX/XXXX, three separate unauthorized credit inquiries were made by XXXX XXXX, XXXX XXXX XXXX, and XXXX, none of which I authorized. These inquiries have unjustly impacted my credit score and financial standing.

Violations : FCRA, Section 604 ( a ) ( 3 ) ( A ) - Unauthorized inquiries by creditors without permissible purpose. 
Inaccurate Personal Information : My credit report contains incorrect information regarding my previous and current addresses. Specifically, my previous addresses were inaccurately listed as " XXXX XXXX XXXX XXXX, CA XXXX '' and " XXXX XXXX XXXX XXXX, CA XXXX XXXX '' while my current address was incorrectly stated as " XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX '' These inaccuracies have created confusion and hindered my ability to access credit and financial services. 

Violations : FCRA, Section 611 ( a ) ( 1 ) ( A ) - Failure to ensure the accuracy of information in consumer reports. 
Personal Impact : These violations have deeply impacted my life. The unauthorized inquiries have caused undue stress and concern, as I have no recollection of authorizing these credit pulls. The resulting negative impact on my credit score has hindered my ability to secure favorable terms on loans and obtain financial opportunities, leading to missed opportunities and delays in important life milestones. 

Furthermore, the inaccuracies in my personal information have led to misunderstandings and difficulties in verifying my identity during important financial transactions. This has resulted in frustration, time-consuming efforts, and an overall sense of vulnerability when interacting with financial institutions. 

I share a personal story to underscore the emotional toll these violations have taken on my life : [ Share a detailed and emotional personal story about how these violations have affected your ability to achieve a specific goal, milestone, or aspiration. Provide vivid details to evoke empathy and understanding. ] Resolution Request : I kindly request the following actions be taken to remedy these violations : Investigate and confirm the unauthorized nature of the credit inquiries made by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX. 
Verify and rectify the inaccuracies in my previous and current addresses. 
Enforce the removal of the unverified accounts resulting from these unauthorized inquiries from my credit report. 
I sincerely appreciate your attention to this matter and your commitment to upholding consumer rights. I kindly ask for your assistance in resolving these violations and restoring the integrity of my credit report. Your prompt attention to this dispute is greatly appreciated. 

Thank you for your time and consideration. 

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