Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Hello, I am requesting that you REMOVE the following inaccuracies listed below from my credit file. It's imperative that someone from your company take my letters very seriously. I have not received anything in the mail concerning my credit report update, this is unacceptable! There is no excuse for you to be stalling my update! I'm giving you this opportunity to report 100 % accurate and verifiable information ONLY. Please see that the below accounts are examined right away. 


According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


1. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

7. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

11. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

12. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

13. XXXX Account Number : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

14. XXXX Account Number : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

15. XXXX Account Number : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

16. XXXX Account Number : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

17. XXXX Account Number : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

18. XXXX Account Number : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

19. XXXX Account Number : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

20. XXXX Account Number : XXXX Please review XXXX XXXX transfer dates on this account ; late history may be inaccurate. 

21. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

22. XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

23. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

24. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

25. XXXX  XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

26. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 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. 




Please send me an updated copy of my credit report once the above is addressed and corrected. 

Thank you for your time and help in 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