Consumer complaint received 2023-08-15
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 Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute several credit report inaccuracies and unauthorized inquiries that have had a profoundly negative impact on my financial well-being and personal life. The violations described below are of great concern, and I urge the Consumer Financial Protection Bureau ( CFPB ) to enforce the applicable legal provisions to rectify this situation promptly. 

Violation 1 : Inaccurate Reporting - XXXX  Account Number : XXXX The violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), has caused grave harm to my credit standing. XXXX inaccurately reported information concerning Account XXXX XXXX. I emphatically state that this account has never been paid late. The false reporting has significantly damaged my credit reputation, leading to financial stress and the denial of opportunities, including housing and employment.

Violation 2 : Unauthorized Inquiries The FCRA 's Section 604 ( a ) ( 3 ) ( F ) ( i ) outlines permissible purposes for inquiries into consumer reports. It has come to my attention that unauthorized inquiries were made by the following entities on the specified dates : XXXX - XXXX of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXXXXXX  - Date of XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of XXXX : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX These unauthorized inquiries have had a cascading effect on my creditworthiness, exacerbating my already precarious financial situation and causing profound emotional distress. The sheer volume of these unauthorized inquiries raises concerns about potential identity theft or fraudulent activity. 

Furthermore, my personal information has been inaccurately reported, affecting my ability to secure loans and establish reliable financial relationships : Violation 3 : Incorrect Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX FCRA 's emphasis on the accuracy and completeness of information, as outlined in Section 607, has been blatantly disregarded. The inclusion of these incorrect addresses on my credit report has caused confusion and has the potential to expose me to identity-related risks.

I implore the CFPB to take immediate action to rectify these violations. The impact of these inaccuracies and unauthorized inquiries on my life has been emotionally overwhelming. To help convey the gravity of this situation, allow me to share my personal story : In light of these violations, I respectfully request the following actions : Investigate and enforce the appropriate legal remedies against the creditors responsible for the inaccuracies and unauthorized inquiries described above.

Instruct the creditors to remove the unverified accounts from my credit report.

Provide written confirmation of the steps taken to address these violations and restore the accuracy of my credit report.

I appreciate your attention to this matter and your commitment to upholding consumer rights and financial integrity. Your swift action to rectify these violations will not only restore my faith in the credit reporting system but also contribute to a fair and just financial landscape for all consumers.

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