Consumer complaint received 2023-08-18
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX  SS # : XXXX To Whom It May Concern, I am writing to express my deep concern and frustration regarding several egregious violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my life. I am seeking your assistance in rectifying these issues and enforcing my legal rights as a consumer. I kindly request a thorough investigation into the matter and the removal of unverified accounts from my credit report. 

Violation Details : Creditor : XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Relevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.

Relevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Creditor : XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
Relevant Section : Section 611 - Procedure in case of disputed accuracy Code : 15 U.S.C. 1681i Creditor : XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 
Relevant Section : Section 623 - Responsibilities of furnishers of information to consumer reporting agencies Code : 15 U.S.C. 1681s-2 Creditor : XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.

Relevant Section : Section 623 - Responsibilities of furnishers of information to consumer reporting agencies Code : 15 U.S.C. 1681s-2 The inaccurate personal information on my credit report pertains to my addresses, both current and previous. The incorrect addresses listed are as follows : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX I kindly request that you take immediate action to correct this inaccurate personal information on my credit report, in accordance with the FCRA. The relevant sections of the FCRA that pertain to the correction of inaccurate personal information are as follows : Violation : Inaccurate Personal Information Relevant Section : Section 611 - Procedure in Case of Disputed Accuracy Code : 15 U.S.C. 1681i Personal Impact : These inaccuracies on my credit report have had a profound and distressing impact on my life. For years, I have strived to maintain financial responsibility, only to be unjustly burdened by inaccurate reporting. These discrepancies have hindered my ability to secure loans, obtain fair interest rates, and even find suitable housing. The emotional toll of constantly navigating these challenges has been overwhelming, causing stress and XXXX  that affect both my personal and professional life.

I share a personal story that illustrates the emotional toll of these inaccuracies. [ Insert your personal story here, providing a detailed and emotional account of a specific incident where the inaccurate information negatively impacted your life. ] Request for Action : I implore the Consumer Financial Protection Bureau to thoroughly investigate these violations and enforce the protections granted to consumers under the FCRA. Furthermore, I kindly request the removal of the unverified accounts from my credit report, thus restoring my fair and accurate credit standing. 

I understand that your agency plays a vital role in ensuring that consumers ' rights are protected, and I am relying on your expertise and dedication to justice to rectify this situation. 

I appreciate your attention to this matter and your commitment to upholding the rights of consumers like me. I look forward to a prompt resolution and a positive outcome. 

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