Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: AZ
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute concerning multiple violations of the Fair Credit Reporting Act ( FCRA ) perpetrated by various creditors. I kindly request your intervention in this matter and enforcement of the legal provisions designed to safeguard consumer rights. The violations have adversely affected my financial well-being and emotional state, and I implore the Consumer Financial Protection Bureau to assist me in rectifying these injustices. 

I am deeply distressed by the unethical practices of the creditors listed below, which have resulted in unauthorized credit inquiries, inaccurate reporting, and failure to provide evidence of ownership : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These creditors ' actions have led to a cascade of negative consequences in my life. Allow me to share a personal story to illustrate the emotional toll these violations have exacted : In the summer of XXXX, I embarked on a journey to secure a mortgage for my family 's dream home. As we eagerly anticipated making memories in a place we could call our own, we were met with unexpected roadblocks. Creditors mentioned above have, without my consent or knowledge, performed multiple unauthorized credit inquiries, tarnishing my credit report. These inquiries inaccurately portrayed me as a reckless and indiscriminate borrower. 

The repercussions of these actions have been profound. Our dream of providing a stable and comfortable home for our children has been delayed indefinitely due to the plummeting credit scores caused by these unverified account entries. Countless nights have been spent grappling with XXXX, frustration, and a profound sense of powerlessness. This ordeal has not only sabotaged our financial goals but has also taken an emotional toll on our family 's overall well-being. 

With a heavy heart, I beseech the Consumer Financial Protection Bureau to enforce the legal protections afforded by the FCRA and intervene on my behalf. I request that you initiate an investigation into the practices of the aforementioned creditors and compel them to remove these unverified and inaccurate account entries from my credit report. 

I believe in the importance of upholding consumer rights and ensuring the fairness of credit reporting practices. Your intervention will not only rectify the wrongs done to me but will also reaffirm the principles of transparency, accountability, and justice that underlie the consumer protection framework. 

I appreciate your attention to this matter and am hopeful that your involvement will bring about a resolution that allows my family to rebuild our financial stability and move forward with our dreams. 

Thank you for your time and consideration. 

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