Consumer complaint received 2023-08-15
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/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute several inaccuracies and violations present on my credit report, and to request your intervention and enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. The inaccurate reporting and unauthorized inquiries have had a significant impact on my financial well-being and personal life. I implore you to take appropriate action to rectify these issues and hold the responsible creditors accountable. 

Personal Story : The errors and unauthorized inquiries on my credit report have created an overwhelming and distressing situation for me. Allow me to share a deeply personal story of how these violations have affected my life : Several years ago, I embarked on a journey to secure a stable financial future for myself and my family. As a hardworking individual, I diligently managed my finances, making every effort to ensure my creditworthiness. With aspirations of providing a better life for my loved ones, I diligently navigated the complex financial landscape, striving to build a solid foundation. 

However, my dreams were shattered when I discovered the inaccuracies and unauthorized inquiries on my credit report. This discovery came at a time when I was pursuing a lifelong dream of homeownership. Despite my meticulous financial planning and unwavering dedication, my creditworthiness was tarnished by unverified accounts and unauthorized credit pulls. The impact was not only financial ; it was an emotional blow that left me feeling helpless and betrayed. 

The weight of these inaccuracies has been crippling. I have been denied opportunities that should have been rightfully mine. The dreams I held for myself and my family have been hindered, and the stress has taken a toll on my mental and emotional well-being. I find myself grappling with anxiety, sleepless nights, and a constant feeling of injustice. 

Specific Violations and Requests : I have outlined the specific violations and inaccuracies that I request be addressed : Failure to clarify inaccurate information on credit report ( FCRA 611 ( a ) ( 1 ) ( A ) ) : XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiry ( FCRA 604 and 607 ) : XXXX  - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX Inaccurate reporting of credit history ( FCRA 623 ( a ) ( 1 ) ( C ) ) : XXXX XXXX XXXX  - Account Number : XXXX Failure to validate the accuracy of reported account ( FCRA 611 ( a ) ( 1 ) ( A ) ) : XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX Incorrect personal information on credit report ( FCRA 607 ( b ) ) : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I kindly request your immediate attention to these violations and urge you to enforce my legal rights. I implore you to intervene on my behalf and ensure that the creditors responsible for these inaccuracies and violations take appropriate action. Specifically, I request that the unverified accounts mentioned above be promptly removed from my credit report to restore the accuracy and integrity of my credit history. 

I am grateful for the vital role that the Consumer Financial Protection Bureau plays in safeguarding consumer rights. Your assistance in this matter is pivotal to resolving the injustices I have faced. Please provide me with updates on the progress of this dispute and any actions taken to rectify the situation. 

Thank you for your prompt attention to this matter and for your dedication to upholding consumer rights. 

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