Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention several egregious violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my life. I humbly request your assistance in enforcing my legal rights as a consumer and ensuring that justice is served. 



As a hardworking individual seeking financial stability, I have always prided myself on maintaining a respectable credit history. However, due to the actions of unscrupulous creditors, my financial well-being and emotional state have been severely affected. 



Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry, Failure to Respond to a Dispute Creditor : XXXX  Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Additionally, 611 - Procedure in case of disputed accuracy Subsection : 611 ( a ) ( 1 ) ( A ) - Identity of furnisher and investigation of disputed information Violation : Inaccurate Reporting of Personal Information Creditor : Not specified in the complaint Potential Violated Law : FCRA, Section 607 - Compliance procedures Subsection : 607 ( b ) - Duties of furnishers of information upon notice of dispute Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX  Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX  Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX  Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX  Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Potential Violated Law : FCRA, Section 604 - Permissible purposes of consumer reports Subsection : 604 ( a ) ( 3 ) ( B ) - Permissible purposes of consumer reports with consumer consent Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The impact of these violations has been nothing short of devastating. The unauthorized credit inquiries have led to undue stress, sleepless nights, and constant fear of potential identity theft. The inaccurately reported personal information has caused confusion and hindered my ability to secure essential financial services. 



This has not only affected me financially but has also taken an emotional toll on my overall well-being. The constant worry about the integrity of my credit report has strained my personal relationships and made it difficult to focus on the most important aspects of my life. 



In light of the above, I kindly request the Consumer Financial Protection Bureau to intervene on my behalf and enforce my rights under the FCRA. I humbly request that you thoroughly investigate the violations committed by the mentioned creditors and take appropriate actions to hold them accountable for their actions. 



Furthermore, I urge the CFPB to ensure that these unverified and unauthorized accounts are promptly removed from my credit report. This measure is vital to restoring my financial stability and emotional well-being. 



I have diligently tried to resolve these issues with the creditors involved, but my efforts have been met with indifference and inaction. Your assistance in this matter is of utmost importance to me, as it represents a beacon of hope in an otherwise distressing situation. 



Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my consumer rights. 



Sincerely, XXXX XXXX