Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7424530
Complaint Overview
Complaint ID: 7424530
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Arizona
ZIP Code: 85043
Date Received: 2023-08-18T12:00:00-05:00
Date Sent to Company: 2023-08-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to raise a formal dispute regarding numerous violations of consumer protection laws by several creditors, as well as to request the enforcement of my legal rights in accordance with the applicable statutes. These violations have significantly impacted my financial well-being and emotional state, and I am seeking your assistance in resolving these issues. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX My experience with these violations has been deeply distressing. The emotional toll of the unauthorized inquiries, inaccurate reporting, and improper collection practices has been overwhelming. It has affected my ability to secure favorable financial terms and pursue opportunities that should rightfully be available to me. I kindly request that the Consumer Financial Protection Bureau take action to enforce my legal rights and ensure that these violations are rectified. Specifically, I ask that the respective creditors be required to remove the unverified accounts from my credit report and provide me with written confirmation of the removal. I believe that your intervention will not only provide me with the justice I deserve but also contribute to safeguarding the rights of countless other consumers facing similar challenges. I look forward to a resolution that will allow me to regain control of my financial well-being and provide a brighter future for myself and my loved ones. Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and promoting fair practices within the financial industry. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #7424530 about?
Complaint #7424530 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-08-18T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.