Consumer complaint received 2023-08-14
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 and bring to your attention a series of violations that have occurred in connection with my credit report, in relation to which I seek the enforcement of relevant consumer protection laws. The violations involve a number of creditors and have had a profound and distressing impact on my personal and financial well-being. 

Firstly, I would like to express my deep concern regarding the accuracy and privacy of my personal information. Specifically, my previous address listed as " XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX '' is not correct and must be immediately removed from my credit report. This erroneous information could potentially lead to further complications and breaches of my privacy.

Furthermore, I have discovered multiple instances of unauthorized credit inquiries on my credit report, leading me to believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been compromised. The following unauthorized inquiries have been identified : XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  XXXX - Date of inquiry : XX/XX/XXXX XXXX  XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXX These inquiries were conducted without my explicit authorization, directly undermining my right to control who accesses my credit information and violating the FCRA provisions. Such actions have caused distress and worry in my life, leading me to question the security of my personal financial data. 

Furthermore, there are accounts listed on my credit report that either contain inaccurate information or lack proper verification, seriously impairing my creditworthiness and financial prospects. To elaborate, the following accounts have been inaccurately reported or lack proper verification : XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX  - Account Number : XXXX The presence of unverified and incorrect accounts on my credit report has caused significant emotional distress and adversely impacted my ability to secure financial opportunities, including loans, housing, and employment. It is disheartening to feel helpless against these inaccuracies that continue to haunt my financial stability. 

Considering the gravity of the violations and their direct impact on my life, I kindly request the Consumer Financial Protection Bureau 's intervention to enforce the relevant consumer protection laws. I implore you to address the unauthorized inquiries, incorrect personal information, and inaccurately reported accounts promptly and thoroughly. 

Furthermore, in light of these violations, I demand that the mentioned creditors take immediate action to remove the unverified accounts from my credit report. This action is essential to restore my financial credibility and ensure fair and accurate reporting to credit agencies. 

To conclude, I urge the Consumer Financial Protection Bureau to hold the involved creditors accountable for their actions, rectify the violations, and enforce the necessary measures to safeguard consumers from such detrimental practices in the future. I appreciate your attention to this matter and look forward to a swift and satisfactory resolution. 

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