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 Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1991 SS # : XXXX To Whom It May Concern, I am writing to formally dispute several violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws that have adversely affected my financial well-being. My objective is to bring attention to these violations and request your assistance in enforcing the legal provisions designed to protect consumers like me. I believe that the Consumer Financial Protection Bureau ( CFPB ) has the authority and responsibility to ensure that these violations are rectified promptly and that I am granted the protection and rights guaranteed under the law. 

Details of Violations : Incorrect Personal Information : Address : XXXX XXXX XXXX, CA XXXX Violations : FCRA Sections XXXX ( b ) - Accuracy of Information, Section XXXX - Reinvestigations of Disputed Information Unauthorized Inquiries : Inquiries from XXXX, XXXX XXXX XXXX, XXXX, XXXX FIN SV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FIN, XXXX XXXX CREDIT UNI, THE GOLDEN XXXX CREDIT XXXX Violations : FCRA XXXX XXXX XXXX Permissible Purposes of Credit Inquiries, Section XXXX - XXXX XXXX Furnishers of Information to Consumer Reporting XXXX Account XXXX and XXXX XXXX XXXX XXXX XXXX Account involved in litigation, incorrect high balance, inaccurate date of last activity, " REAGED ACCOUNTS, '' reinsertion without proper notice, undated late pay, open collection account with a limit Violations : FCRA Sections 1681c ( a ) - Information Excluded from Consumer Reports, Section 1681e ( b ) - Accuracy of Information, Section 1681i - Procedure in Case of Disputed Accuracy, Section 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Violations XXXX FDCPA XXXX Fair Debt Collection Practices Act ) - Various sections related to inaccurate and unfair debt collection practices Personal Impact : Allow me to share with you how these violations have deeply impacted my life. The inaccuracies in my credit report have unjustly marred my financial history, causing unnecessary obstacles when seeking financial opportunities. A recent incident involved my attempt to secure a mortgage for my dream home, which was met with rejection due to the tarnished credit report. This experience left me feeling frustrated, embarrassed, and hopeless, as it hindered a milestone that my family and I have worked tirelessly to achieve. 

The unauthorized inquiries and the incorrect account details have created a cloud of uncertainty and anxiety around my financial stability. The unauthorized inquiries have led to identity concerns, while the inaccuracies have hindered my ability to access credit at reasonable terms. As a result, I have been unfairly denied credit lines, subject to higher interest rates, and excluded from opportunities that would enable me to secure a better future for my loved ones. 

Request for Action : I implore the Consumer Financial Protection Bureau to take swift action and enforce the legal provisions that protect consumers from such violations. I kindly request the following : Thorough investigation and removal of all inaccuracies and unauthorized inquiries from my credit report.

Immediate correction of the account details and rectification of any erroneous information associated with XXXX XXXX. 
Enforcement of penalties and corrective actions against the involved creditors to ensure compliance with FCRA and other relevant laws. 
A fair and just resolution to alleviate the emotional and financial distress that these violations have caused. 
I believe that the CFPB has the authority to make a substantial impact in rectifying these violations and restoring my financial integrity. I am hopeful that my plea will receive the attention and consideration it deserves. 

Thank you for your time and dedication in upholding consumer rights and ensuring a fair financial landscape for all. I look forward to your prompt 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