Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent Experian a letter CERTIFIED MAIL in regards to erroneous hard inquiries on my credit. Today I received a letter stating that the inquiries are factual and that I need to contact the creditor to get them resolved. This is a clear violation of FCRAPer FCRA section 609, 605 and via 623 Experian who is assumed as the credit reporting agency MUST provide proof IN WRITING and provide consent to the inquiries that I have requested to be removed. I know that there is no such proof. IF this inquiries are not researched as prescribed by law and removed as they should be I am seeking the CFPB help me document this information and escalate if needed, so I can collect for breach of FCRA and collect for any damages assumed to my person resulting in higher rates. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt. 
Being that I already sent in my request also certified mail, per FCRA I am looking to get a response on this fairly quicker than the initial 30 days. 


Please find the inquiries below : Creditor : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Creditor : XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I  would like it removed immediately. 

Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX/XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Creditor : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Creditor : XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I  would like it removed immediately. 

Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I  would like it removed immediately. 

Creditor : XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Creditor : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I  would like it removed immediately. 

Creditor : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I  would like it removed immediately. 

Creditor : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I  would like it removed immediately. 

Creditor : XXXX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I  would like it removed immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

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