Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: FL
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

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute several items on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that the following items be removed from my credit report immediately : The inquiry from XXXX XXXX XXXX on XX/XX/XXXX was not authorized. According to the FCRA, any inquiries made without my explicit permission must be removed from my credit report. 

The inquiry from XXXX on XX/XX/XXXX was not authorized. As per the FCRA, credit inquiries made without my permission are not allowed to be on my credit report. 

The inquiry from XXXX on XX/XX/XXXX was not authorized. The FCRA states that any unauthorized inquiries must be removed from my credit report. 

The inquiry from XXXX XXXX XXXX on XX/XX/XXXX was not authorized. The FCRA gives me the right to dispute and have removed any unauthorized inquiries on my credit report. 

The account from XXXX XXXX XXXX with account number XXXX is questionable. The FCRA requires that all information reported on my credit report be accurate and verifiable. Please either clarify this information or delete this account from my credit report. 

The account from XXXX with account number XXXX is questionable. The FCRA mandates that all information reported on my credit report must be accurate and up-to-date. Please either clarify this information or delete this account from my credit report. 

The account from XXXX with account number XXXX is questionable. The FCRA requires that all information on my credit report be accurate, complete, and verifiable. Please either clarify this information or delete this account from my credit report. 

The account from XXXX XXXX with account number XXXX is questionable. The FCRA gives me the right to dispute and have removed any inaccurate or unverifiable information on my credit report. Please either clarify this information or delete this account from my credit report. 

The account from XXXX XXXX with account number XXXX is questionable. The FCRA requires that all information on my credit report be accurate and verifiable. Please either clarify this information or delete this account from my credit report. 

The account from XXXX XXXX with account number XXXX is questionable. The FCRA gives me the right to dispute and have removed any inaccurate information on my credit report. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

The account from XXXX XXXX XXXX  XXXX. with account number XXXX is questionable. As per the FCRA, all information on my credit report must be accurate and verifiable. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

The account from XXXX XXXX XXXX  XXXX XXXX A with account number XXXX is frivolous and should be removed from my file immediately. The FCRA gives me the right to dispute and have removed any inaccurate or unverifiable information on my credit report. 

The account from XXXX XXXX  XXXX XXXX with account number XXXX  is inaccurate. The FCRA requires that all information on my credit report be accurate and up-to-date. Please update this account and delete the inaccurate information immediately. 

The account from XXXX XXXX  with account number XXXX should be deleted from my credit report as it is not recognized The account from XXXX XXXX with account number XXXX  is not recognized by me. The FCRA requires that all information on my credit report be accurate and verifiable. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 
I would like to remind you that as per the FCRA, you are required to investigate any dispute and remove any inaccurate or unverifiable information from my credit report. Additionally, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. 

I have enclosed a copy of my credit report highlighting the items in question. Please let me know if you require any additional information from me. 

Thank you for your prompt attention to this matter. 

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