Consumer complaint received 2023-08-14
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of grave concern that has significantly impacted my financial well-being and personal peace of mind. It pertains to several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), along with unauthorized credit inquiries, all of which have had an enduring impact on my life.

My journey through this unfortunate ordeal began when I discovered numerous inaccuracies in my credit reports, which I accessed in an effort to manage my financial affairs responsibly. Upon examination, I identified multiple instances where my personal information was incorrectly reported. To my dismay, these inaccuracies have unfairly marred my creditworthiness and financial standing. The addresses listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXare entirely unfamiliar to me and bear no relation to my current or previous residences. These inaccuracies, I believe, are a direct violation of the FCRA, Section 607, as they inaccurately report personal information, adversely affecting my financial reputation.

Adding to this distressing situation, I discovered several unauthorized credit inquiries that have been made on my behalf. These unauthorized inquiries, I believe, breach my rights under the FCRA, Section 611, as they were conducted without my consent. These unauthorized inquiries include those made by XXXX on XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  on various dates in XX/XX/XXXX. I can categorically affirm that I have no recollection of authorizing these credit pulls, and I implore your assistance in rectifying this blatant disregard for consumer rights. 

I am also deeply troubled by the inaccuracies in the reporting of certain accounts. Specifically, the entries related to the following accounts contain false information regarding late payments. These inaccuracies are a violation of the FCRA, Section 607, as they misrepresent my credit history and significantly damage my credit score. I have never made late payments on these accounts, and I demand that these inaccuracies be corrected immediately : 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 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 XXXXXX/XX/XXXX. 
Beyond the financial implications, I wish to share a deeply personal aspect of how these violations have impacted my life. As a dedicated professional striving to build a secure future for my family, these inaccuracies have placed unwarranted obstacles in my path. The emotional distress caused by these discrepancies has been profound. My efforts to secure housing, employment, and even simple credit transactions have been met with unjustified skepticism due to the tarnished image presented by these inaccuracies. The stress and frustration have strained relationships, caused sleepless nights, and undermined my sense of security and self-worth. 

In light of the aforementioned violations and their far-reaching consequences, I humbly request your intervention and support in enforcing the legal provisions designed to protect consumers like me. I urge you to direct the concerned creditors to diligently investigate the matters I have raised and to correct the inaccuracies within my credit reports. Specifically, I kindly request the removal of the unverified and inaccurate accounts detailed in this letter. It is my fervent hope that by doing so, justice will be served and my faith in the fairness of the financial system can be restored. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights, and I am grateful for your assistance in rectifying this distressing situation. I look forward to your prompt response and resolution of 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 non-monetary relief