Consumer complaint received 2023-08-17
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/1991 Dear Sir/Madam, I am writing to you today with a profound sense of distress and frustration stemming from a series of violations that have been committed against me by various creditors. These violations concern not only my rights as a consumer but also the profound impact they have had on my personal and financial well-being. I am seeking your assistance in enforcing the legal safeguards provided by the Fair Credit Reporting Act ( FCRA ) and advocating for my rights as a consumer. 

Creditor XXXX : Incorrect personal information - Name variations Incorrect current address XXXX XXXX XXXX XXXX, AZ XXXX Incorrect previous address XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX. Unauthorized inquiry by XXXX XXXX XXXX Unauthorized inquiry by XXXX XXXX Unauthorized inquiry by XXXX XXXX  Unauthorized inquiry by XXXX XXXX Unauthorized inquiry by XXXX XXXX Unauthorized inquiry by XXXX XXXX XXXX  XXXX XXXX XXXX Account involved in litigation, inaccurate reporting, reinsertion without proper notice, undated late pay, charge off listed as open, collection account with a limit Incorrect current address Incorrect previous address Inquiries : XXXX. Unauthorized inquiry by XXXX Unauthorized inquiry by XXXX XXXX Unauthorized inquiry by XXXX XXXX XXXX  Unauthorized inquiry by XXXXXXXX XXXX Unauthorized inquiry by XXXX The inaccuracies and unauthorized inquiries outlined above are not merely data points on a credit report ; they represent a significant toll on my life. As a result of these violations : Financial Struggles : The inaccuracies in my personal information and unauthorized inquiries have cast doubts on my creditworthiness, making it increasingly challenging for me to secure favorable financial opportunities. These struggles have adversely affected my ability to provide for my family and plan for a secure future. 

Emotional Distress : The relentless battle to correct these errors has taken a considerable toll on my mental and emotional well-being. The stress of dealing with these inaccuracies, unauthorized inquiries, and subsequent financial setbacks has created an environment of constant XXXX and uncertainty. 

Missed Opportunities : The inaccurate reporting of account involvement in litigation, reinsertion without proper notice, and other inaccurate details have resulted in missed opportunities, such as obtaining affordable loans or credit lines to fulfill important life goals and responsibilities. 

Deceptive Practices : The unauthorized inquiries demonstrate a disregard for my consumer rights and an unsettling level of deception by the creditors involved, undermining the trust that should be present in such transactions. 

I implore the Consumer Financial Protection Bureau to step in and enforce the legal protections guaranteed by the FCRA. I request that you investigate these violations thoroughly and take appropriate action to ensure that my rights are upheld and my credit report accurately reflects my financial standing. 

Additionally, I ask that the mentioned creditors promptly remove the unverified accounts, inaccurate personal information, and unauthorized inquiries from my credit report. Doing so would not only rectify the violations but also restore a semblance of financial stability and peace of mind in my life. 

I have attached supporting documents that provide evidence of these violations and the subsequent harm they have caused. I kindly request a prompt response regarding the actions taken to address these issues and bring resolution to this matter. 

Thank you for your attention to this crucial issue. I look forward to your assistance in ensuring that justice is served and my consumer rights are upheld. 

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