Consumer complaint received 2023-08-17
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, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring a grave matter to your attention, seeking your intervention to enforce my legal rights and rectify a distressing situation that has deeply impacted my life. My purpose in writing to the Consumer Financial Protection Bureau ( CFPB ) is to implore your assistance in rectifying violations that have occurred under my credit report, thereby ensuring my rights as a consumer are upheld. 

Creditor Details and Violations : XXXX. XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has had a profoundly negative effect on my financial well-being. 
Violations : Potential violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 623 regarding responsibilities of furnishers of information to consumer reporting agencies. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The inclusion of this account has caused undue stress and has hampered my ability to pursue crucial financial endeavors. 
Violations : Potential violation of FCRA in case of inaccurate or unverified reporting. 

XXXX. XXXX XXXX Account XXXX : XXXX Issue : The presence of this account on my credit report has impeded my efforts to secure favorable lending terms. 
Violations : Possible violation of FCRA if inaccuracies are present on the credit report. 

XXXX. XXXX Account XXXX : XXXX XXXX : The inaccurate reporting of this account has hindered my financial stability. 
Violations : Potential FCRA violation due to inaccuracies. 

XXXX. XXXX XXXX | XX/XX/XXXX Account Number : N/A Issue : The impact of this account on my credit report has led to unwarranted financial setbacks. 
Violations : Potential FCRA violation if inaccuracies or unverified information is present. 

Personal Story and Request for Resolution : [ Share your personal story here. Describe in detail the XXXX  and XXXX XXXX  caused by the presence of these accounts on your credit report. ] I implore the Consumer Financial Protection Bureau to wield its authority in addressing these issues and enforcing my rights as a consumer. I earnestly request that the aforementioned unverified accounts be expeditiously removed from my credit report, allowing me to restore my financial standing and pursue my life goals without unwarranted hindrances. 

Your intervention in this matter would provide much-needed relief and restore my faith in the financial system. I am committed to cooperating fully to rectify these issues. 

Thank you for your prompt attention to this matter. I can be reached at [ Email Address ] or [ Phone Number ] to provide any additional information you XXXX require. 

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