Consumer complaint received 2023-08-21
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 XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding violations of various consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Identity Theft Laws, Truth in Lending Act ( TILA ), Consumer Financial Protection Bureau ( CFPB ) Regulations, and State Consumer Protection Laws. I am seeking your assistance in addressing these violations and enforcing my legal rights. 

Throughout my financial history, I have encountered numerous instances where my consumer rights have been infringed upon, causing significant emotional distress and financial hardship. The gravity of these violations has taken a toll on various aspects of my life, and I believe it is crucial to share a personal account of how these transgressions have impacted me deeply. 

One particular instance that stands out involves the unauthorized credit inquiries by multiple creditors, including UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which have appeared on my credit report without my consent. These unauthorized inquiries have caused unwarranted XXXX  and frustration, as I value my privacy and expect that my personal information is treated with the utmost care and respect. 

Furthermore, I have been subjected to inaccurate reporting by XXXX XXXX with account numbers XXXX and XXXX. The inaccuracies in their reporting have led to a tarnished credit history, affecting my ability to secure favorable lending terms and ultimately hindering my financial aspirations. The stress and humiliation I have felt while trying to correct these inaccuracies can not be overstated. 

The violation of my rights also extends to the misrepresentation and harassment I have experienced through these collections. XXXX ( XX/XX/XXXX ), in particular, engaged in attempts to collect inaccurate debts while misrepresenting the nature of the transactions. This has not only caused emotional distress but has also taken time and energy away from other important aspects of my life. 

The unauthorized use of my personal information, including incorrect addresses, as seen with XXXX XXXX ( Account number : XXXX ) and the addresses at XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, has added to my ordeal. Such disregard for accuracy and privacy has caused me feelings of vulnerability and insecurity. 

Considering the aforementioned violations of various laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) : Unauthorized credit inquiries : Sections 604, 607, and 611 of FCRA.

Inaccurate reporting : Section 623 of FCRA. 
Fair Debt Collection Practices Act ( FDCPA ) : Attempting to collect inaccurate debts, misrepresentation, harassment : Sections 807, 808, and 809 of FDCPA. 
Identity Theft Laws : Unauthorized use of personal information : Relevant laws related to identity theft and unauthorized use of personal information. 
Truth in Lending Act ( TILA ) : Misrepresentation of terms and conditions of credit : Sections 102 and 104 of TILA. 
Consumer Financial Protection Bureau ( CFPB ) Regulations : Unfair, deceptive, or abusive practices by creditors : Various regulations issued by the CFPB, such as Regulation V and Regulation Z. 
State Consumer Protection Laws : State-specific laws protecting consumers from unfair practices, inaccurate reporting, and unauthorized inquiries. 
I urge your office to take swift action to address these issues. I kindly request that you enforce my legal rights and ensure that the following actions are taken : Investigation and removal of unauthorized credit inquiries by XXXX XXXX XXXX XXXX XXXXXXXX. 
Correction of inaccurate reporting by XXXX XXXX with account numbers XXXX and XXXX. 
Cease and desist efforts by XXXX to collect inaccurate debts and misrepresent the nature of transactions. 
Immediate removal of incorrect personal information, including addresses, associated with XXXX XXXX ( Account number : XXXX ) and the addresses at XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 
I implore the Consumer Financial Protection Bureau to uphold the rights of consumers like me who have been subjected to these violations. Your intervention is crucial in rectifying the injustices I have faced and restoring my faith in the integrity of the financial system. 

Thank you for your attention to this matter. I eagerly anticipate your prompt response and resolution. 

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