Consumer complaint received 2023-08-15
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 Date of Birth : XX/XX/1968 SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute regarding violations of consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), which have significantly impacted my financial well-being and emotional state. I am seeking your assistance in addressing these violations and ensuring that my legal rights are upheld. 

I have recently discovered several inaccuracies and questionable account information on my credit report, which have negatively affected my financial standing and peace of mind. The following creditors and accounts are in question : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX I have diligently reviewed my credit report and identified multiple instances where these accounts are either inaccurately listed or not properly verified. These errors have not only affected my ability to secure favorable credit terms but have also taken a significant toll on my emotional well-being. 

To provide a personal context, let me share a distressing incident that exemplifies the repercussions of these inaccuracies. Last year, I applied for a mortgage to fulfill a lifelong dream of owning a home for my family. Despite having a stable financial history and diligently managing my obligations, the presence of these questionable accounts led to the denial of my mortgage application. This heartbreaking setback not only shattered my dream but also caused immense stress and anxiety for me and my family. 

I urge the Consumer Financial Protection Bureau to enforce the legal rights that safeguard consumers like me from unfair and inaccurate credit reporting. I implore you to intervene on my behalf and ensure that the following actions are taken : Investigate the violations of the FCRA committed by the mentioned creditors. 
Enforce the accurate reporting of my credit information in accordance with the FCRA provisions. 
Direct the creditors to remove the unverified and questionable accounts from my credit report. 
I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer rights and diligently address my concerns. Your intervention will not only rectify the financial harm I have endured but also provide a sense of justice and relief that my family and I desperately need. 

Thank you for your attention to this matter. I am eagerly awaiting your response and assistance in resolving these distressing issues. 

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