Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/1979 Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning inaccuracies in my credit report and unauthorized inquiries that have significantly impacted my life. I am seeking the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ) and request your assistance in resolving this distressing situation. 



As per the details outlined below, there have been multiple violations of the FCRA by various creditors, and I firmly believe that my rights as a consumer have been severely compromised : Bankruptcy XXXX XXXX-discharged Potential Violation : None mentioned. 



The inquiry was not authorized Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681b - Permissible Purposes of Consumer Reports ( Unauthorized inquiries may violate the FCRA, which outlines who can access a consumer 's credit report and for what purposes. ) XXXXXXXX XXXX XXXX XXXX Potential Violation : None mentioned. 



XXXX XXXX XXXX XXXX  Potential Violation : None mentioned. 



This collection account does not belong to me Potential Violation : None mentioned. 



XXXX XXXX XXXX Potential Violation : None mentioned. 



XXXX XXXX Potential Violation : None mentioned. 



XXXX XXXX Potential Violation : None mentioned. 



The inquiry was not authorized Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681b - Permissible Purposes of Consumer Reports ( Unauthorized inquiries may violate the FCRA, which outlines who can access a consumer 's credit report and for what purposes. ) The inquiry was not authorized Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681b - Permissible Purposes of Consumer Reports ( Unauthorized inquiries may violate the FCRA, which outlines who can access a consumer 's credit report and for what purposes. ) The inquiry was not authorized Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681b - Permissible Purposes of Consumer Reports ( Unauthorized inquiries may violate the FCRA, which outlines who can access a consumer 's credit report and for what purposes. ) The inquiry was not authorized Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681b - Permissible Purposes of Consumer Reports ( Unauthorized inquiries may violate the FCRA, which outlines who can access a consumer 's credit report and for what purposes. ) The inquiry was not authorized Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681b - Permissible Purposes of Consumer Reports ( Unauthorized inquiries may violate the FCRA, which outlines who can access a consumer 's credit report and for what purposes. ) The inquiry was not authorized Potential Violation : Fair Credit Reporting Act ( FCRA ) Section 1681b - Permissible Purposes of Consumer Reports ( Unauthorized inquiries may violate the FCRA, which outlines who can access a consumer 's credit report and for what purposes. ) These inaccuracies and unauthorized inquiries have had severe consequences on my life. Allow me to share a personal story illustrating the emotional distress and hardship that I have endured due to these violations : For years, I have diligently managed my finances and strived to maintain a good credit history. However, the inaccuracies in my credit report have cast a dark shadow on my financial reputation, hindering my ability to secure loans and obtain favorable interest rates. The false bankruptcy claim ( Account Number : [ Bankruptcy Account Number ] ) that does not belong to me has caused potential creditors to reject my applications without considering my actual creditworthiness. 



Additionally, the unauthorized inquiries by various creditors have left me feeling helpless and vulnerable. I never authorized these entities to access my credit report, and yet, their actions have disrupted my peace of mind and exposed me to potential identity theft risks. This constant fear of unauthorized access has taken a toll on my emotional well-being and left me feeling anxious and distressed. 



Moreover, the incorrect reporting by XXXX XXXX XXXX XXXX ( Account Number : [ XXXX XXXX  XXXX XXXX Account Number ] ), XXXX XXXX XXXX ( Account Number : [ XXXX XXXX XXXX Account Number ] ), XXXX XXXX ( Account Number : [ XXXX XXXX Account Number ] ), and XXXX XXXX ( Account Number : [ XXXX XXXX Account Number ] ) has further damaged my credit score and compromised my financial opportunities. Despite my efforts to maintain a pristine payment history, these inaccuracies continue to haunt me, affecting my eligibility for housing, employment prospects, and overall quality of life. 



In light of these distressing experiences, I am seeking your assistance in rectifying these violations of the FCRA. I urge the Consumer Financial Protection Bureau to take immediate action to enforce my legal rights. I request that you thoroughly investigate each creditor mentioned above and ensure that they remove all unverified accounts and unauthorized inquiries from my credit report. 



Your prompt attention to this matter is of utmost importance, as these inaccuracies continue to harm my financial standing and emotional well-being. I trust that the CFPB will diligently handle this dispute and advocate on my behalf to bring about a resolution. 



I appreciate your understanding and assistance in this challenging situation. I look forward to a timely and favorable 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