Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: WA
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, Washington XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to formally dispute and seek the enforcement of my legal rights regarding several violations that have adversely impacted my credit report and financial well-being. The violations involve the following creditors and their corresponding account numbers : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry Creditor : SXXXX Account Number : XXXX Violations : Multiple violations including improper reporting, inaccurate information, and violations of debt collection practices Incorrect Personal Information : Incorrect Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX : Incorrect Reporting of Personal Information These violations have caused me immense distress and have had a significant impact on various aspects of my life. Allow me to share a personal story to illustrate how these violations have affected me emotionally and financially. 

In early XXXX, I embarked on a journey to secure a mortgage for my family 's dream home. Having diligently maintained my credit history and financial obligations, I was shocked to discover that my credit report contained erroneous and damaging information. The unauthorized inquiry from XXXX on XX/XX/XXXX, further deepened my concerns about the security of my personal information. 

The account with XXXX, bearing the account number XXXX, has been a source of constant distress. The numerous violations surrounding this account have led to inaccurate reporting of my financial standing. The account 's involvement in litigation, the incorrect high balance, the inaccurate date of last activity, and the various other violations have painted an unfair and inaccurate picture of my creditworthiness. 

Moreover, the incorrect personal information, specifically the incorrect address listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, has caused confusion, potential identity concerns, and has further eroded my trust in the accuracy of the information presented on my credit report. 

I kindly request your intervention and enforcement of the legal protections provided by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant legislation. It is my earnest belief that these violations must be rectified promptly to restore the accuracy and integrity of my credit report. I respectfully urge the Consumer Financial Protection Bureau to use its authority to ensure that these violations are addressed in accordance with the law. 

In light of the violations highlighted above, I request that the concerned creditors undertake the necessary steps to promptly remove the unverified accounts from my credit report. It is my hope that through your intervention, these discrepancies will be corrected and my credit report will reflect an accurate representation of my financial history. 

Thank you for your attention to this matter. I look forward to a timely resolution that will alleviate the emotional distress and financial challenges I have been enduring due to these 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