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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and address several inaccuracies and violations present on my credit report. I have attached a copy of my credit report with the disputed items highlighted for your reference. I must emphasize that these inaccuracies have significantly impacted my financial well-being and personal life, prompting me to request your immediate attention to this matter. 

Let me share with you a deeply personal account of how these inaccuracies have affected my life. My journey as a hardworking individual who values financial responsibility has been compromised by the misinformation on my credit report. I've strived to build a stable life for myself and my loved ones, and this journey has been marked by sacrifices and diligent efforts. 

Unfortunately, the inaccurate information on my credit report, including erroneous account details, unauthorized inquiries, and incorrect personal information, has led to unjust consequences. I recently applied for a mortgage to secure a home for my family, a dream I've worked tirelessly toward. Regrettably, due to the errors on my credit report, I was denied the mortgage I had anticipated for years. The emotional toll of being denied the chance to provide a safe and stable environment for my family is immeasurable. The uncertainty and anxiety that follow such a setback are indescribable, and they cast a shadow over my aspirations and peace of mind. 

I implore you to take immediate and decisive action to rectify this situation. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I insist on the following actions : Conduct a thorough investigation into the disputed items I've highlighted. 
Enforce legal measures against creditors who have provided inaccurate information, unauthorized inquiries, and false personal details. 
Promptly communicate the investigation results to me in writing. 
Moreover, I request that you hold the creditors accountable for their failure to provide accurate and verifiable information. Specifically, I urge you to require the removal of the following unverified accounts from my credit report : XXXX XXXX XXXX Name : The following personal information is incorrect. This is not my name. Delete it immediately from my report. 

Violation : Incorrect personal information. 

XXXX XXXX  : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of payment history. 
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of payment history. 
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of payment history. 
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Name, The following personal information is incorrect. This is not my name. Delete it immediately from my report. 

Violation : Incorrect personal information. 

XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized credit inquiry. 
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized credit inquiry. 
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized credit inquiry. 
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of payment history. 
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX  Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized credit inquiry. 
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized credit inquiry. 
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

Violation : Unauthorized credit inquiry. 
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

Violation : Incorrect address information. 

XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report. 

Violation : Incorrect address information. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of payment history. 
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Violation : Inaccurate reporting of payment history. 
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) I understand that your commitment to ensuring fair and accurate credit reporting is vital. As a consumer seeking justice, I trust that your actions will reflect this commitment and provide a chance for redemption. I am prepared to take any necessary legal steps to ensure that my rights are upheld and that my credit report accurately represents my financial history. 

Please respond to this dispute in writing within the statutory timeframe, as mandated by law. Should you require any additional information or documentation from me, I am prepared to provide such upon request. You can contact me at ( XXXX ) XXXX or XXXX. 

I eagerly await your response and the resolution of this matter. Your cooperation and adherence to the laws governing fair credit reporting are essential to rectify the unjust situation I am facing. 

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