Consumer complaint received 2023-08-16
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 Dear Sir/Madam, I am writing to file a formal dispute regarding multiple violations of consumer protection laws that have severely impacted my financial well-being and emotional state. I kindly request your intervention in this matter and urge you to enforce the legal rights and protections that I, as a consumer, am entitled to under federal law. 

The violations I wish to address pertain to several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I believe that the following accounts and actions have significantly harmed my credit history, my ability to access financial opportunities, and my overall peace of mind : Inaccurate Reporting ( XXXX  Account - Account Number : XXXX ) : Your reporting has falsely indicated late payments on this account, despite my unwavering record of timely payments. This misinformation has led to a tarnished credit profile, negatively affecting my ability to secure favorable lending terms and causing me considerable stress and anxiety. This is a direct violation of FCRA Section 623. 

Unauthorized Credit Inquiries : The following unauthorized inquiries have been made on my credit report without my consent : XXXX ( Date : XX/XX/XXXX ) XXXX ( XXXX : XX/XX/XXXX ) XXXX XXXX ( Date : XX/XX/XXXX ) XXXX ( Date : XX/XX/XXXX ) XXXX XXXX Date : XX/XX/XXXX ) XXXX  ( Date : XX/XX/XXXX ) These unauthorized inquiries have disrupted my financial stability and violated my right to control access to my personal credit information, as guaranteed by FCRA Section 604. 
The impact of these violations has not only been financial ; it has deeply affected my personal life. I want to share a personal story of how these inaccuracies and unauthorized inquiries have left a lasting emotional toll : Given the significant impact these violations have had on my life, I implore you to take swift and decisive action. I respectfully request that you enforce my legal rights under the FCRA and FACTA and compel the creditors involved to take the following actions : Remove Unverified Accounts : I demand that the following accounts be thoroughly verified and substantiated, and if unable to do so, they must be promptly removed from my credit report : XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX OF XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) I sincerely appreciate your attention to this matter and trust in your commitment to upholding consumer rights. I kindly request your prompt intervention to rectify these violations and restore the integrity of my credit report. Your assistance is crucial in helping me rebuild my financial stability and regain the peace of mind that I deserve. 

Thank you for your time and consideration. I eagerly await your response and resolution. 

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