Consumer complaint received 2023-08-14
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. (AZ)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my financial well-being and emotional stability. I implore your assistance in enforcing my legal rights and rectifying these injustices. This is not only a matter of financial accuracy but also a deeply personal and emotional burden that has affected me and my family. 

Unauthorized Credit Pulls : It has come to my attention that several creditors, including XXXX  and others, have performed unauthorized credit pulls on my account. These unwarranted inquiries have left me feeling violated and powerless, questioning the safety of my personal information. According to the FCRA 604 ( a ) ( 3 ) ( B ), these actions are clear violations of my right to privacy and authorization over my credit information. 

Inaccurate Reporting : The inaccurate reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has detrimentally affected my creditworthiness and ability to secure favorable financial terms. These violations contradict the FCRA 607 ( a ) which mandates accurate and fair reporting of consumer credit information. 

Unverified Account Details : Moreover, the inclusion of unverified account details, such as the ones associated with XXXX XXXX, adds an additional layer of confusion and anxiety to my financial situation. This apparent violation of the FCRA 611 ( a ) has cast doubts on the integrity of my credit report and raises concerns about the accuracy of the information being presented. 

Personal Impact : Allow me to illustrate the profound personal impact of these violations. The constant stress, XXXX  and emotional toll I have experienced due to these inaccuracies and unauthorized actions have affected not only my financial decisions but also my mental well-being. These violations have robbed me of peace of mind, disrupted my sleep, and even strained relationships within my family. 

Imagine the distress of being unable to secure favorable terms for loans due to inaccurate reporting and unauthorized credit pulls. Consider the fear of identity theft and financial instability caused by these unwarranted inquiries. Picture the frustration of trying to rectify these issues while also dealing with the emotional toll they take on one 's life. 

Resolution Request : In light of the violations outlined above, I earnestly request your intervention to enforce my legal rights and protect me from these injustices. I implore you to work diligently to ensure the removal of these unverified accounts from my credit report and to hold the creditors accountable for their actions. The removal of these inaccuracies is not just a matter of financial correction, but a vital step toward restoring my emotional well-being. 

I trust in your commitment to upholding consumer rights and ensuring fair treatment for all. I look forward to a prompt resolution to this matter, one that not only rectifies the violations but also restores my faith in the integrity of the credit reporting system. 

Thank you for your attention to this deeply personal and important matter. 

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