Consumer complaint received 2023-08-17
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/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you as a concerned consumer to address a series of troubling and, I believe, unlawful actions taken by certain creditors that have adversely impacted my financial well-being. I kindly request your assistance in enforcing the legal provisions outlined under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant laws, to rectify these violations and to ensure that my rights are upheld. 

XXXX XXXX XXXX - Account Number : XXXX Violation : FDCPA Section 807 Violation ( Misleading False Reporting ) It has come to my attention that XXXX XXXX XXXX has engaged in misleading and potentially false reporting concerning my account. This alarming behavior is in direct violation of the FDCPA 's Section 807, which strictly prohibits the use of false or deceptive representations during debt collection practices. This situation has caused undue stress and anxiety as I endeavor to manage my financial responsibilities. 

XXXX - Date of inquiry : XX/XX/XXXX Violation : Potential violation of FCRA - Unauthorized Inquiry I recently discovered an unauthorized credit inquiry made by XXXX on XX/XX/XXXX. I never provided consent for this inquiry, thus raising concerns regarding a potential violation of the FCRA. This unauthorized inquiry has had a negative impact on my credit report, affecting my ability to secure favorable financial opportunities. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX Violation : Potential violation of FCRA - Unauthorized Inquiry Similarly, XXXX XXXX XXXX conducted an unauthorized inquiry on XX/XX/XXXX. As with the previous instance, I did not provide consent for this inquiry, and its presence on my credit report has further exacerbated the challenges I face in achieving financial stability. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Potential violation of FCRA - XXXX Inquiry Another unauthorized inquiry, this time by XXXX XXXX XXXX XX/XX/XXXX, has further hindered my financial progress. The accumulation of unauthorized inquiries is a flagrant breach of my rights under the FCRA, jeopardizing my financial standing and prospects. 

ALSO KNOWN AS : XXXX XXXX Violation : Potential violation of FCRA - Incorrect Personal Information The inclusion of the inaccurate alias " XXXX XXXX '' in my credit report is an additional violation of the FCRA. This error has caused confusion and hindered my ability to establish my true identity, introducing unnecessary complications into my financial affairs. 

These violations have taken an emotional toll on my life, casting a shadow of uncertainty over my financial future. The constant XXXX  and stress resulting from these actions have impacted my mental and emotional well-being, making it increasingly challenging to navigate daily life. 

In light of these violations, I respectfully request the following actions be taken : An immediate investigation into the actions of the aforementioned creditors in accordance with the FDCPA and FCRA. 
Enforcement of the relevant legal provisions to ensure that my rights are upheld and that these violations are rectified. 
Removal of the unverified accounts and unauthorized inquiries from my credit report, restoring my financial standing and alleviating the undue stress caused by these actions. 
I genuinely appreciate your attention to this matter and your commitment to safeguarding consumer rights. I kindly request that you act swiftly to address these violations and restore the integrity of my credit report. 

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 non-monetary relief