Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding the inaccurate and unauthorized information present on my credit report, as well as to request the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 607, 623, 604, and 605. The violations detailed below have adversely affected not only my financial well-being but also my emotional state, causing unnecessary stress and hardship. 

Inaccurate Reporting of Account Information : XXXX  - Account number : XXXX Violation : FCRA Section 623 ( a ) ( 1 ) ( A ) XXXX - Account number : XXXX Violation : FCRA Section 623 ( a ) ( 1 ) ( A ) Other instances of inaccurate reporting These accounts have never been paid late, yet the inaccurate reporting on my credit report suggests otherwise. This misinformation is significantly damaging my credit profile and hindering my ability to secure loans and obtain favorable interest rates, a situation that has caused me immense distress and XXXX. 

Unauthorized Credit Inquiries : XXXX - XX/XX/XXXX Violation : FCRA Sections 604 ( a ) ( 3 ) ( A ), 604 ( a ) ( 3 ) ( F ), 604 ( a ) ( 4 ), and 604 ( a ) ( 6 ) XXXX - XX/XX/XXXX Violation : FCRA Sections 604 ( a ) ( 3 ) ( A ), 604 ( a ) ( 3 ) ( F ), 604 ( a ) ( 4 ), and 604 ( a ) ( 6 ) XXXX - XX/XX/XXXX Violation : FCRA Sections 604 ( a ) ( 3 ) ( A ), 604 ( a ) ( 3 ) ( F ), 604 ( a ) ( 4 ), and 604 ( a ) ( 6 ) XXXX - XX/XX/XXXX Violation : FCRA Sections 604 ( a ) ( 3 ) ( A ), 604 ( a ) ( 3 ) ( F ), 604 ( a ) ( 4 ), and 604 ( a ) ( 6 ) Other instances of unauthorized credit pulls These unauthorized inquiries have been conducted without my consent, infringing upon my right to privacy and potentially jeopardizing my financial security. As a responsible consumer, I am deeply concerned about the implications these unauthorized inquiries may have on my creditworthiness. 

In addition to the violations outlined above, I would like to share a personal story of how these inaccuracies and unauthorized credit pulls have profoundly affected my life. A few years ago, I faced a challenging period in my life due to unforeseen medical expenses that strained my financial resources. Despite my best efforts to manage my finances responsibly, these inaccuracies on my credit report have resulted in declined loan applications, higher interest rates, and a diminished sense of financial stability. I was even denied housing due to the inaccuracies tarnishing my otherwise commendable credit history. 

The emotional toll of being unfairly penalized for mistakes that I did not commit can not be overstated. These financial setbacks have caused sleepless nights, XXXX, and a sense of helplessness, which have cascaded into my personal and professional life. I am not merely a collection of numbers on a credit report ; I am a hardworking individual striving to rebuild my life after unforeseen challenges. 

Given the aforementioned violations and the emotional distress they have caused, I kindly request that you take immediate action to enforce my legal rights under the FCRA. Specifically, I ask that you facilitate the removal of the unverified accounts mentioned above from my credit report. I am eager to restore my creditworthiness and regain control over my financial future. 

I am grateful for your attention to this matter and your commitment to consumer protection. Your assistance in rectifying these violations will not only alleviate my current hardships but also restore my faith in the fairness and integrity of the credit reporting system. 

Thank you for your time and consideration. 

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