Consumer complaint received 2023-08-16
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal dispute regarding unauthorized inquiries that have appeared on my credit report. I seek your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) to address this matter promptly. I kindly request your intervention to ensure that my consumer rights are upheld. 

The unauthorized inquiries that I am disputing are as follows : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX These unauthorized inquiries have significantly impacted my life. Allow me to share my personal story to provide a detailed understanding of the emotional toll these actions have taken : As a hardworking individual striving to maintain financial stability, these unauthorized inquiries have inflicted considerable stress and anxiety upon me. The unauthorized access to my credit report has created a sense of vulnerability and violation of my personal information. Each unauthorized inquiry represents a breach of my privacy, undermining my trust in the financial system that is meant to protect consumers like myself. 

These inquiries have far-reaching consequences, impacting my ability to access credit, obtain favorable interest rates, and secure essential financial services. As a result, my dreams of securing a stable future for my family have been hindered. The uncertainty caused by these unauthorized inquiries has forced me to spend countless hours navigating complex processes, seeking resolution, and addressing the repercussions on my financial well-being. 

With this dispute, I kindly request that the unauthorized inquiries listed above be thoroughly investigated and promptly removed from my credit report. I am asserting my rights under the FCRA to ensure that the information in my credit report accurately reflects my creditworthiness and financial history. 

Moreover, I urge that the relevant creditors validate the accuracy of the accounts associated with these unauthorized inquiries. If the accounts can not be verified within the parameters of the law, I insist on their removal from my credit report. This action will help rectify the unwarranted harm that has been inflicted upon my financial standing and emotional well-being. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. Your intervention is crucial in rectifying this situation and restoring my faith in the financial system. I request timely communication and resolution as I work to secure a more stable financial future. 

Thank you for your understanding and assistance in this matter. 

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