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. (CA)

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and address several violations of consumer protection laws that have significantly impacted my financial well-being. The purpose of this letter is to request your intervention and assistance in resolving the matters detailed below. 

I have recently discovered numerous discrepancies on my credit report that involve several creditors. These discrepancies encompass unauthorized credit inquiries, inaccurate account information, and misleading personal data. Through thorough investigation and examination of the Fair Credit Reporting Act ( FCRA ), it is evident that my rights have been breached in multiple instances. 

Unauthorized Inquiries : On numerous occasions, I found unauthorized credit inquiries made without my explicit consent. These actions have compromised my personal information and have negatively affected my credit score. These actions directly violate FCRA 604, 15 U.S.C. 1681b, which outlines the permissible purposes for conducting consumer reports. I have provided specific instances and details of these inquiries below : XXXX XXXX : Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inaccurate Account Information : Moreover, I have encountered inaccurate account information that includes questionable account names and numbers, as well as incorrect payment history reporting. These inaccuracies have substantially affected my creditworthiness and my ability to access fair financial opportunities. The following accounts stand out as examples of these inaccuracies : XXXX  XXXX Account Number : XXXX Account Name and Number are Questionable XXXX  XXXX Account Number : XXXX Inaccurate Payment History Reporting XXXX XXXX XXXX Account Number : XXXX Account Name and Number are Questionable XXXX  XXXX Account Numbers : XXXX, XXXX, XXXX Account Names and Numbers are Questionable XXXX XXXX XXXX XXXX Account Number : XXXX Account Name and Number are Questionable XXXX  Account Number : XXXX Unrecognized Business Account Inaccurate Personal Information : Additionally, my personal information, including current and previous addresses, has been inaccurately reported, further causing confusion and potential identity concerns : Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX These discrepancies and violations have left me in a state of immense distress. The consequences of these inaccuracies have affected my ability to secure loans, purchase a home, and even find employment opportunities. The emotional toll this has taken on my life is immeasurable. 

I implore the Consumer Financial Protection Bureau to take immediate action to ensure that these violations are rectified. I request that you enforce my legal rights as a consumer and facilitate the removal of the unauthorized inquiries and unverified account information from my credit report. These issues are not only a violation of my rights but have caused immeasurable damage to my personal and financial well-being. 

I kindly ask that you thoroughly investigate the violations I have outlined above and take the necessary steps to ensure that these discrepancies are corrected and that justice is served. I am willing to provide any additional documentation or information that you may require to resolve these matters promptly. 

Thank you for your attention to this matter. I am hopeful that, with your assistance, I can restore my financial integrity and regain the opportunities that have been unfairly denied to me. 

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