Consumer complaint received 2023-08-16
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, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention a series of violations that have adversely impacted my credit report and overall financial well-being. I kindly request your assistance in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ), as well as other relevant laws. Additionally, I would like to share my personal story to shed light on how these violations have deeply affected my life. 

Violation Details : Unauthorized Inquiries : XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX Incorrect Previous Address Entries : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Personal Story : These violations have caused immeasurable stress and hardship in my life. My financial history has been unfairly marred by unauthorized inquiries that I have no recollection of authorizing. Each unauthorized inquiry not only affects my credit score but also impacts my ability to secure loans, housing, and even job opportunities. As a responsible consumer, I have always strived to maintain a strong credit profile, and these unjustified inquiries have shattered my efforts. 

Moreover, the incorrect previous addresses that have been reported have exacerbated the situation. These inaccuracies have led to confusion and embarrassment when applying for housing, credit, and employment. The address inaccuracies have been perpetuated, hindering my access to financial stability and peace of mind. 

Request : I kindly request your assistance in enforcing my rights under the FCRA and related laws. Specifically, I ask that you investigate these violations and ensure that the following actions are taken : Unauthorized Inquiries : I request that these unauthorized inquiries be promptly removed from my credit report. The reporting of these inquiries is not only unjust but has also significantly affected my ability to manage my financial affairs. 

Incorrect Previous Address Entries : I urge you to rectify the incorrect previous address entries on my credit report. These inaccuracies have caused undue complications in various aspects of my life, and their removal would greatly contribute to my financial stability. 

In conclusion, I am deeply invested in resolving these issues and restoring my financial well-being. Your assistance in ensuring that my rights are upheld will have a profound impact on my life. I am hopeful that my story resonates with you and underscores the urgency of rectifying these violations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a positive outcome. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information you may 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