Consumer complaint received 2023-08-18 00:00:00
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.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to file a formal dispute and seek your assistance in addressing multiple violations committed by various creditors that have significantly impacted my financial well-being and personal life. I kindly request your intervention to enforce my legal rights and ensure the removal of unverified accounts from my credit report, in accordance with the applicable laws and regulations. 

Over the past few years, my financial health has been adversely affected by unauthorized credit inquiries, questionable account information, and unverified accounts that have appeared on my credit report. These actions have caused immense stress, XXXX, and frustration, not only due to their detrimental impact on my credit score but also because they have disrupted my ability to secure favorable financing options for essential life needs. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. 
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report. 
I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX | XXXX, Please remove it from my credit report. 
I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX | XXXX, Please remove it from my credit report. 
I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 
XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

These violations have not only impacted my financial stability but have also taken an emotional toll on my well-being. As a result of the unauthorized actions and unverified accounts, I have faced difficulties in securing favorable interest rates for important life milestones, including buying a home and securing reliable transportation for my family. The stress and worry caused by these events have affected my overall quality of life, causing sleepless nights and feelings of helplessness. 

In light of the aforementioned violations and their profound impact on my life, I implore the Consumer Financial Protection Bureau to advocate on my behalf and ensure that my legal rights are upheld. I request your assistance in compelling the creditors responsible to remove these unauthorized and unverified accounts from my credit report, thereby restoring my financial integrity and providing me with a fair chance to pursue my life goals without unnecessary impediments. 

Thank you for your attention to this matter, and I greatly appreciate your assistance in rectifying these injustices. Please feel free to contact me at XXXX or XXXX if further information is required. 

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