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, California XXXX Date of Birth : XX/XX/1990 SS # : XXXX I am writing to formally lodge a dispute regarding multiple violations of consumer protection laws by the listed creditors. The details provided below outline the violations and the significant impact they have had on my life. 

XXXX XXXX XXXX - Account Number : XXXX : The inclusion of this account on my credit report is questionable and misleading. Despite my efforts to clarify the account 's details, I have been unable to receive accurate information. This situation has caused immense stress and confusion, as I have been denied credit opportunities due to the inaccuracies. This violation could potentially fall under the purview of the Fair Credit Reporting Act ( FCRA ), specifically Sections 603, 607, and 611. 

XXXX - Account Number : XXXX : The lack of proper verification and questionable account details have resulted in unwarranted negative impacts on my credit report. This has hindered my ability to secure favorable financial arrangements, affecting my plans to secure a stable future. The potential violation here may fall under FCRA, particularly Sections 603, 607, and 611. 

XXXX XXXX - Account Number : XXXX : The inclusion of this questionable account has caused me distress and XXXX, impacting my mental and emotional well-being. The unverified nature of this account has led to inaccurate assessments of my creditworthiness, with adverse effects on my financial prospects. This potential violation could relate to FCRA, Sections 603, 607, and 611. 

XXXX - Account XXXX : XXXX : The presence of this account on my credit report, without proper clarification or validation, has hindered my ability to secure reasonable interest rates and credit limits. This violation of consumer protection laws has directly impacted my financial stability and aspirations. This might fall under FCRA, Sections 603, 607, and 611. 

XXXX XXXX - Account Number : XXXX : The inclusion of this unrecognizable account has caused undue hardship and confusion in my life. This account 's presence, unverified and unfamiliar, has led to unjustified setbacks in my financial endeavors. This violation may relate to FCRA, Sections 603, 607, and 611. 

XXXX - Account Number : XXXX : The inclusion of this account without proper verification or recognition has affected me on a personal level. This situation has prevented me from obtaining credit on fair terms, compromising my ability to achieve my goals and dreams. This potential violation could fall under FCRA, Sections 603, 607, and 611.

These violations have had a deeply emotional impact on my life. The stress and XXXX caused by these inaccuracies have affected my overall well-being. I've had to postpone significant life milestones, such as purchasing a home or pursuing further education, due to the unjust hurdles created by these discrepancies. 

I kindly request the Consumer Financial Protection Bureau to take necessary action and enforce the applicable consumer protection laws. I implore the bureau to address these violations, conduct thorough investigations, and ensure the removal of these unverified accounts from my credit report. Doing so would not only rectify the injustice I have faced but also help restore my financial standing and future prospects. 

Thank you for your attention to this matter. I eagerly await your response and resolution to these grave violations. 

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