Consumer complaint received 2023-08-15
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to formally dispute and request enforcement of my legal rights regarding certain accounts on my credit report. The inaccuracies and unverified information on my credit report have had a profound and distressing impact on my life. I am seeking your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

I am deeply concerned about the violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of these inaccuracies. Specifically, the following accounts have been reported inaccurately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number XXXX XXXX  The inaccuracies in these accounts have led to significant distress and frustration in my life. For example, [ share your personal story here about how the inaccurate credit reporting affected your ability to secure a loan, rent an apartment, or pursue a major life goal ]. These difficulties have taken an emotional toll on me, impacting my mental well-being and causing undue stress during already challenging times. 

Given the apparent violations of FCRA, I humbly request your intervention to enforce my legal rights. I kindly ask that the Consumer Financial Protection Bureau work to ensure that these unverified and inaccurate accounts are promptly removed from my credit report. This will not only alleviate my emotional distress but also restore my ability to pursue my life goals without the unjust burden of inaccurate credit reporting. 

I have taken all necessary steps to address these issues directly with the credit reporting agencies and the respective creditors involved, but I have not yet achieved a satisfactory resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

Thank you for your attention to this important matter. I appreciate your commitment to ensuring fair and accurate credit reporting, and I look forward to your prompt response. 

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