Consumer complaint received 2023-08-11
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 XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1994 SS # : XXXX To Whom It May Concern, I am writing to lodge a formal complaint regarding several violations of the Fair Credit Reporting Act ( FCRA ) that have adversely affected my financial well-being and caused undue emotional distress. I kindly request your assistance in addressing these issues and ensuring that the appropriate actions are taken to rectify the violations. 

I have recently reviewed my credit report and identified a number of discrepancies that have had a profound impact on my creditworthiness and overall quality of life. As a diligent individual who strives to maintain financial responsibility, these inaccuracies have created a significant burden for me. 

Inaccurate Reporting of Personal Information : It has come to my attention that my credit report includes two addresses that do not belong to me : " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX '' and " XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX '' These addresses have no association with my history, and their inclusion on my report has caused confusion and concern. This misinformation has not only affected my creditworthiness but has also made me question the integrity of the credit reporting system. 

Unauthorized Inquiries : Upon reviewing my credit report, I noticed a series of unauthorized inquiries made by various entities, including " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others. I have no recollection of authorizing these inquiries, and their presence on my report raises suspicions of potential fraudulent activity. These unauthorized inquiries have the potential to damage my financial reputation and compromise my personal information. 

Inaccurate Reporting of Account Information : I have found that certain accounts listed on my credit report contain inaccurate payment statuses, balances, and payment histories. These discrepancies have created an inaccurate representation of my financial responsibilities, making it difficult for me to secure favorable credit terms. Specifically, accounts associated with " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' have all been reported inaccurately. 

These violations have taken a substantial toll on my life. The emotional distress caused by these inaccuracies has been overwhelming. I have encountered difficulties in securing loans, housing, and even employment due to the tarnished credit image created by these erroneous entries. The constant uncertainty and distress have impacted my mental health and overall well-being, leading to sleepless nights and constant anxiety. 

In light of the aforementioned violations, I implore you to enforce the legal provisions outlined in the Fair Credit Reporting Act. I request that you investigate and ensure that these discrepancies are promptly and thoroughly addressed by the relevant credit reporting agencies and creditors. Specifically, I urge you to : Remove the unauthorized inquiries mentioned above from my credit report immediately. 
Correct and update the inaccurate account information associated with " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' to reflect accurate payment statuses, balances, and payment histories. 
Delete the addresses " XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, AZ XXXX '' and " XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX XXXX from my credit report as they do not belong to me. 
I am hopeful that your intervention will result in the rectification of these issues and the restoration of my accurate credit profile. I deeply appreciate your time and attention to this matter. Please feel free to reach out to me at ( XXXX ) XXXX or XXXX if you require any additional information or documentation to assist in resolving this dispute. 

Thank you for your understanding and support. 

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