Consumer complaint received 2023-08-18
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to raise a formal dispute regarding numerous violations of consumer protection laws by several creditors, as well as to request the enforcement of my legal rights in accordance with the applicable statutes. These violations have significantly impacted my financial well-being and emotional state, and I am seeking your assistance in resolving these issues. 

Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX My experience with these violations has been deeply distressing. The emotional toll of the unauthorized inquiries, inaccurate reporting, and improper collection practices has been overwhelming. It has affected my ability to secure favorable financial terms and pursue opportunities that should rightfully be available to me. 

I kindly request that the Consumer Financial Protection Bureau take action to enforce my legal rights and ensure that these violations are rectified. Specifically, I ask that the respective creditors be required to remove the unverified accounts from my credit report and provide me with written confirmation of the removal. 

I believe that your intervention will not only provide me with the justice I deserve but also contribute to safeguarding the rights of countless other consumers facing similar challenges. I look forward to a resolution that will allow me to regain control of my financial well-being and provide a brighter future for myself and my loved ones. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and promoting fair practices within the financial industry. 

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 non-monetary relief